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What Auto Insurance Options are Available in California?

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In the state of California, all drivers who operate a vehicle on any public streets, roads, or highways, must have a minimum amount of auto liability insurance. This type of insurance will help pay the medical bills and any damage to the vehicle of a person you become involved in an accident.

The auto insurance agents at the Rock Hard Insurance Agency in Fontana, CA are explaining the types of auto insurance coverage options that you have to choose from in California.

Types of Auto Insurance

Underinsured/Uninsured Motorist Coverage

Unlike liability insurance, underinsured and uninsured motorist coverage is not required in the state of California under the law but it is a great idea to have this type of coverage. It will cover any damage to your car, truck, or SUV if you are involved in an accident with a driver who has little or no insurance for his or her auto. This type of insurance will help pay any costs that the other person’s insurance could not cover.

Comprehensive Insurance

Comprehensive insurance will help pay for damages to your vehicle if it is negatively affected by a fire, an act of vandalism, a natural disaster, or even if someone steals your vehicle.

Collision Insurance

Along with comprehensive insurance, collision insurance will be a requirement by a lender or bank if you still owe money for your vehicle. Collision insurance will help cover any damage to your vehicle or another person’s vehicle if you collide with their vehicle or even an inanimate object.

Call For a Quote Today!

To design an auto insurance policy that gives you the coverage options that you need for you and your situation, you can call upon the auto insurance agents at Rock Hard Insurance Agency in Fontana, CA to assist you. Call today for an appointment to get your policy started or a price quote.

What Type of Businesses Need Commercial Auto Insurance?

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If you have a car you use for business, you may need commercial auto insurance in Fontana, CA. This type of insurance can protect you financially if you are involved in an accident while using your car for business. Commercial vehicle coverage is similar to regular auto insurance, but some critical differences exist.

How Personal and Commercial Auto Insurance Differ

Commercial auto insurance typically provides more coverage than personal auto insurance. Businesses have a higher risk of being involved in an accident than individuals. Commercial auto insurance also usually covers vehicles that are used for business only.

Most personal auto insurance policies exclude coverage for vehicles used for business purposes. If you have an accident while using your personal car for business, your insurer may refuse to pay for claims. If you use your personal vehicle for both business and pleasure, you probably need to purchase a separate policy for your business use.

Sometimes, your insurer may cancel your policy altogether if they find out that you have been using your personal car for business purposes. A Rock Hard Insurance Agency representative can help determine whether you need commercial auto insurance in Fontana, CA.

What Type of Businesses Need Commercial Auto Insurance?

I’m doing Door Dash deliveries. Do I need commercial auto insurance? You may need commercial auto insurance if you are using your personal vehicle to deliver food or other items. This is because you are using your car for business purposes.

How Much Does Commercial Auto Insurance Cost?

The cost of commercial auto insurance depends on several factors, including the type of business you have, the vehicles you are insuring, and the amount of coverage you need. A Rock Hard Insurance Agency representative can help you determine the amount of coverage you need and get you the best rate possible.

Is it always a good idea to get rental insurance in California?

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Renting a home is a good option for many in the Fontana, CA area. When you are a renter, you will enjoy more flexibility and less responsibility than if you were a property owner. As you are looking to rent a home in this area, you will also want to get the right insurance. There are a few reasons why getting a renters insurance plan is always a good idea.

Why Get Rental Insurance?

Receive Helpful Support and Coverage

A reason anyone will want to have this type of coverage is due to the support it provides. A proper renters insurance plan offers various types of coverage and advantages. This includes support if you are named liable for property damage or an accident in the rental property. Further, it will give coverage for any of your personal assets if there is a fire or other situation that causes damage. 

Comply with Lease Terms

You should also get a renters insurance plan as it can help you comply with the terms of the lease. Most leases that you will find in this area of California will require you to get renters insurance. If you do not have this coverage, it could even invalidate your lease agreement or cause other forms of penalization. Due to this, you should ensure you retain the right type and level of coverage. 

Give Us A Call

People living in the Fontana CA area will want to ensure that they get the proper insurance plan. When you are looking for a new policy in this region, it would be wise for you to call Rock Hard Insurance Agency. With so many choices to make when looking for coverage, working with Rock Hard Insurance Agency is helpful as we will give any support necessary to select your next plan. 

What should my motorhome insurance include?

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All motorhomes are not created equal.

Serving as both vehicles and homes, motorhomes are unique. To serve multiple purposes, motorhomes come in a variety of sizes, costs, and amenities.

Finding the right coverage requires equal specialization. Luckily, Rock Hard Insurance Agency can help. Serving Fontana, CA, our agents know the importance of crafting an individualized motorhome insurance policy.

We list six items that every motorhome should include:

Collision insurance

Your motorhome will spend a lot of time on the road. For this reason, even policies with minimal coverage will include collision. This applies no matter who is at fault.

Comprehensive coverage

All other damage falls under comprehensive. Most plans will feature a list of inclusions that are protected. Some examples are natural disasters, theft, and vandalism.

Liability

Liability is standard in nearly all insurance plans. It adds an extra layer of protection in the event you or someone else is hurt. If you are found at fault, bodily injury liability kicks in.

Personal property

Personal property protection is a component of liability. Yet, this covers belongings instead of people. There may be some overlap with homeowners policies, but this shields a motorhome if it’s damaged, destroyed, or stolen.

Uninsured motorist

Other drivers may not have sufficient coverage. If you are involved in an accident with someone who has inadequate insurance, this could compensate you for medical expenses, property destruction, and lost wages.

Optional add-ons

This is just the beginning. There are countless options to add to any motorhome insurance policy to make it personalized. This list includes roadside assistance, storage protection, and loss of use expenses.

Call Us Today

Serving Fontana, CA, Rock Hard Insurance Agency can find a motorhome insurance policy that keeps you headed for the open road. Schedule an appointment today.

Full-Timer’s RV Insurance: A Guide

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When you don’t want to buy a home or live in a rental apartment in Fontana, CA, residing in an RV can be a great option. An RV becomes a home and is also a means of transport to help move from place to place with the convenience of a home. While being a full-timer in your RV is great, have you thought about your insurance needs? If not, Rock Hard Insurance Agency is here to give you a comprehensive guide to your insurance needs.

Understanding full-timers insurance

If you have sold your home to reside in your RV, you need to consider a full-timer’s RV insurance. Given your RV is now your new home, typical RV insurance may not suffice. As such, you need to consider full-timer’s RV insurance because it covers you in the following areas:

  • Personal liability coverage: Like the liability coverage in home insurance, this insurance policy protects you when residing in your RV. This insurance covers you when accused of property damage or bodily injury. Remember, if you have sold your home, your liability coverage is no longer applicable in your RV, and that’s why you need separate liability coverage.
  • Personal effects coverage: When you move into an RV, all your personal items may not fit in the vehicle. As such, you may store your items in a storage facility. Unfortunately, they aren’t covered when in such places. RV insurance protects your personal items when in the RV and storage facilities.
  • Medical payment coverage: This coverage covers your medical expenses for injuries suffered while using your RV as a residence.

Rving is increasingly becoming popular because many people want to explore the freedom of living and traveling in an RV. At Rock Hard Insurance Agency, we want to instill a sense of security and assurance by providing comprehensive RV insurance to protect you wherever your vehicle takes you.

Do you need motorcycle insurance in Fontana?

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The Fontana, CA area continues to be well known for being a great community that has a lot of local amenities. When you are in this area of the state and want to enjoy it as much as possible, investing in a motorcycle can be a great option. Not only is this an efficient mode of transportation, but the nice weather and great scenery can make them fun to use in this area. When you are getting a motorcycle, you also need to get insurance for it. Motorcycle coverage is needed for several reasons. 

Protection Needed for Motorcycle

You should first get this type of insurance to protect your motorcycle. If you are going to purchase a motorcycle, knowing that you can use and enjoy it for a long time is helpful. With a collision and comprehensive plan, you will get support if your vehicle is stolen or involved in an accident.

Insurance is a Requirement

You will also need to get motorcycle insurance because it is a requirement. If you intend to use the motorcycle on a public road, you will need to meet California’s standards regarding insurance. This includes requiring you to have liability insurance, which will ensure you can cover damages that you may cause in an accident. A lender may require you to have more substantial coverage to protect their loan collateral. 

People that are in the Fontana, CA area will always want to know that they are properly insured with motorcycle insurance. As you are looking for any form of support in this area, it would be wise to call Rock Hard Insurance Agency. There are various decisions to make when looking for coverage and Rock Hard Insurance Agency can help you choose a motorcycle insurance plan that will allow you to stay in compliance with your specific insurance requirements. 

Do you have insurance for when your boat is in storage?

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Rock Hard Insurance Agency is here for the boat owners in the greater Fontana, CA area. We want to help you protect your vessel, whether you have it out on the water or if it is in storage. Let us help you protect your vessel.

Comprehensive boat insurance for CA boat owners

If you own a boat, you may worry about the expense of maintenance and repairs. We want to help you put your mind at ease when it comes to protecting your watercraft. While a comprehensive boat insurance policy won’t protect you from every expense associated with boat ownership, it can help with a lot of them.

When your boat is in storage and not in use, you may need to have a more comprehensive policy in place to protect it during such time periods. This type of coverage can often protect you from fire, damage, theft, and vandalism. Many boat owners opt for a basic policy that provides the bare minimum of protection. This can be okay in certain situations, but not all.

If you would like to learn more about your boat insurance options, now is a great time to find out more about the different types of boat policies that are available in our area. There’s no reason to invest in a boat only to underinsure it! We want to help you to determine the appropriate amount of coverage for your unique situation. 

Let’s make sure that you have the right protection in place for your boat!

You can count on us!

Count on the Rock Hard Insurance Agency for all of your insurance needs. If you are in the greater Fontana, CA area, call or stop by our office today to find out more.

Top benefits of renter’s insurance

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The main benefit of renter’s insurance is the peace of mind that it provides. Knowing that your possessions are protected can help to ease your mind. Here at the Rock Hard Insurance Agency, we want all of our clients in the Fontana, CA area to have the protection they need.

Top benefits of renter’s insurance

If you are renting an apartment, house, or condo, you will still need to carry your own insurance. Renter’s insurance is a great way to protect your belongings and ensure that you have the protection you need! Here are just some of the benefits of renter’s insurance:

  • Protection from loss or damage of your belongings due to theft, fire, or other covered events.
  • Coverage from theft or loss outside of your residence in certain situations.
  • Option for liability protection in the event that someone is injured in your home.
  • Rider policy options for high-value items such as artwork, jewelry, and technical devices.
  • Peace of mind that comes with knowing that you have the protection you need!

Renter’s insurance is a great way to help alleviate the stress of loss. When you have a robust, comprehensive renter’s insurance policy, you can be protected from financial obligations that can be overwhelming. If you are just building your own home, or are an established renter, it’s important to protect your belongings even if you don’t own your residence.

Call us today!

Rock Hard Insurance Agency is here to answer all of your questions about renter’s insurance. If you are renting in the Fontana, CA area, give us a call today to schedule your appointment and find out more.

Motor home Insurance Ins and Outs

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Owning a motor home can be an incredible experience, and doing so provides a lot of freedom to go on adventures. However, make sure you get to keep this freedom by ensuring you have the most appropriate insurance coverage for your motor home. Motor home insurance is not automatically included in general auto insurance, and therefore, you should pay attention to what you and your motor home need. 

Rock Hard Insurance Agency in Fontana, CA offers motor home insurance so that you can keep going on your adventures without too much trouble. We offer insurance to people in the states of California, Arizona, and Texas. 

What to insure your motor home for

Your motor home will need to be covered for certain things. What further add-ons you want largely depends on you, but you should definitely consider the following insurance coverage:

  • Liability insurance, a type of insurance that covers visitors to your motor home. If they get hurt inside your motor home, whether that is your fault or not, it is great to be covered in case they encounter medical costs because of this or even if they sue you.
  • Valuable items and theft; whether your laptop in the back of the motor home is stolen or your entire motor home manages to get stolen, coverage against this will help you a lot with the financial burden of this. 

Rock Hard Insurance Agency in Fontana, CA helps to advise on motor home insurance and can get you different quotes to look at. We will walk you through your options so that you will pick the right insurance for you. You can reach our office or you can also easily request a quote on our website.

How Does RV Insurance Work?

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Recreational vehicles provide a great escape from every day, and they can be a lot of fun to spend time in. If you have an RV, it needs RV insurance to keep it protected against a number of different risks that come with driving an RV. To find out more, give us a call at Rock Hard Insurance Agency in Fontana, CA.

Full-Time RV User

One of the ways that your rates for RV insurance are measured is by looking at how often you use the RV. You may use it rarely, you may get out and drive it occasionally or you may spend every weekend in it. You might even live in it full-time as many people do. If you live in it full time, there is full-timer insurance needed in your RV insurance policy. This reflects the RV having more risks because it is used more often. 

Your RV’s Class

Your RV policy will also depend on the type of RV you have. There are three classes of RVs that are based on the size of the RV and its specific design. Classes A, B and C each require their own type of coverage to go with the specific risks of vehicles in that class. When you are shopping for your RV policy, make sure you know what class your RV is in. Your insurance agent can help you if you aren’t sure. Class As are the largest RVs, Class Cs are the middle and Class Bs are the smallest of the RVs.

Get Your RV Covered by Insurance

If you own an RV, the right insurance is a must for protecting you financially. A good RV policy will protect you against countless situations and ensure that you can soon get back on the road. If you need RV insurance, give us a call now at Rock Hard Insurance Agency in Fontana, CA for more information. 

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