Does My Boat Qualify for a Luxury Insurance Policy?

Boat owners in Fontana, CA who keep their watercraft in a nearby harbor should have a separate insurance policy to cover damage to their watercraft if an incident occurs. If this is your first time owning a boat, you need to know what type of policy to buy. Rock Hard Insurance Agency can provide you with marine insurance that will adequately cover your boat.

The Size of the Watercraft Matters

Insurers consider vessels measuring 27 feet long and under to be boats. Your homeowner’s insurance may cover damage to smaller boats, depending on the details of your policy. Nevertheless, your homeowner’s insurance may not provide adequate coverage, leaving you holding the bill for some types of damage. However, if the vessel is above 28 feet, insurers consider it a yacht, which puts you in the luxury insurance category.

Yacht Insurance Has Many Components

Unlike insurance policies for smaller vessels, luxury boat insurance has many different choices and components, often making it difficult for consumers to know what they need. Although you won’t find a one-size-fits-all policy, marine insurance covering yachts is generally more comprehensive than coverage for smaller boats. This type of boat insurance applies to luxury sailboats, small cruisers, and other vessels with blue-water cruising or ocean-going ability.

Among the terms that consumers will face are agreed cash value, actual cash value, new for old, and depreciation. Boat insurance buyers also must be aware of hidden clauses that address the vessel’s seaworthiness, which can easily allow an insurer to deny a claim.

Carefully review any boat insurance policy you consider. If you need clarification on anything in your policy, our staff at Rock Hard Insurance Agency, serving the greater Fontana, CA region, will help you understand them. Contact us today to discover your insurance options.

Does Your Current Boat Policy Provide These Features?

Rock Hard Insurance Agency can help all boat owners in the greater Fontana, CA area. Don’t hesitate to give us a call with any insurance questions you might have. Whether you’re shopping for a new boat or want to upgrade your current policy, we can help.

Great Boat Insurance Features to Look Out For

One of the most used features of a comprehensive policy is the at-sea towing coverage. If you like to spend a lot of time out on the water, having coverage for common mishaps is a smart idea. Another area to review is your current liability coverage. Many boaters opt for basic insurance when they first buy their vessels. With more frequent use, many boat owners find that a basic policy is no longer sufficient for their needs. If you find yourself in this situation, it’s time to upgrade your policy sooner rather than later.

The more comprehensive your boat policy, the easier it is to enjoy being out on the water. You’ll have the peace of mind that comes with knowing you have the protection you need. When it’s time to buy a new policy or review your current one, be sure to ask about all the features that are available. Comprehensive boat policies can often protect your craft no matter where it is. If you transport your boat to the water or to a marina, you’ll want to protect your boat when it’s off the water. Be sure to ask about this feature when choosing your policy.

We’re here for you!

If you have questions about boat insurance, the Rock Hard Insurance Agency is here to help. Residents of Fontana, CA and the surrounding area can turn to us for answers. Call or stop by today to learn more.

Do I need to have boat insurance in California?

Fontana, CA has continued to be a great place to live. Those in this part of the state will enjoy having warm weather for most of the year. When you are here and want to enjoy the city as much as possible, investing in a boat can be a great idea. If you invest in a boat, getting insurance should be a top priority.

You will need this coverage for various reasons. 

Cover Your Assets

A reason that all people will cant this coverage for their boat is so they can protect and cover their assets. A boat can take a lot of money and investment to own and maintain. Along with this investment, you will want to enjoy it for a long time and protect the value as much as possible. Boat insurance offers coverage in various situations where you could incur a loss, such as theft or accident damage. 


Boat insurance may also be a requirement for you. When you are looking to use a boat, certain marinas may require you to carry this insurance. Further, if you have taken out financing to buy the boat, you could be obligated to carry insurance for it until you have paid off the balance. 

Give Us A Call

As you are looking to purchase a boat in the Fontana, CA area, it would be wise for you to call someone that understands the value of boat insurance. When you are looking for a new plan here, it would be smart to call Rock Hard Insurance Agency. There are a lot of important choices to make when looking for boat coverage, and Rock Hard Insurance Agency can make the process much easier. This helps to ensure you get into an ideal policy that will meet your needs. 

Are you responsible if someone is injured on your boat?

The team at Rock Hard Insurance Agency understands the joys that come with owning a boat, and we also want our clients to protect themselves from the liability that can also come with boat ownership. If you live in Fontana, CA or the surrounding area, you can rely on us for all of your boat insurance needs!

Every situation is different, but having enough liability protection is always a great idea!

If someone is injured on your boat, it is possible that you could be held responsible for their injuries. This can mean that you have to take financial responsibility for any medical expenses or damages that are the result of an incident on your boat.

Fortunately, with the right comprehensive boat insurance policy, you can protect yourself from personal liability. Many boat owners opt for basic insurance policies that do not include sufficient protection from financial liability. This can create many problems down the line if there is a mishap with their boat.

Sufficient liability protection is easy to get with the right policy. If you want to upgrade your policy, or if you are unsure if you have adequate protection from your current policy, it’s time to review your options. Don’t wait until an accident happens to find out that your boat insurance policy doesn’t provide the coverage you need. Now is the time to review your current policy and make any changes that are necessary for your protection. 

Find out more today!

Boat owners in the greater Fontana, CA area count on the team at Rock Hard Insurance Agency for their insurance needs. If it’s time for you to upgrade your boat insurance to a more comprehensive policy, give us a call or stop by our office today.

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

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.

Is Boat Insurance A Necessity?

Owning a boat in Fontana, CA is a dream come true for many residents. However, this ownership of a worthy investment comes with unique risks. Therefore, it’s vital to ensure that your prized possession is protected with prolific boat insurance from Rock Hard Insurance Agency serving Fontana, CA and its environs. If you don’t have splendid boat insurance, it’s the opportune moment to consider whether you are a seasoned boater or a new boat owner.

Is boat insurance mandatory in California?

Unlike car insurance, boat insurance isn’t legally required in California. Nevertheless, if you need to register your vessel with the state, you must have boat insurance. Additionally, if you financed the purchase of your watercraft, your lender might require you to carry boat insurance until you pay your outstanding loan. Therefore, acquiring boat insurance is an absolute necessity because it harbors the following benefits:

Covers property damage: Property damage by your boat can turn out to be exorbitant. Boat insurance can provide coverage for this type of damage, shielding you from having to finance these hefty bills cashwise.

Protect your boat: Your boat is an expensive asset that warrants outstanding security. Getting proper boat insurance will ensure that your prized asset gets protected from impending calamities both inside and out of the water. In addition, good boat coverage will cater to the repair or replacement of your boat if it is damaged or stolen.

Liability protection: Even seasoned boaters in Fontana, CA, have a bad day in the water. One single storm can propagate extensive damage to your boat culminating in massive loss. Getting magnificent boat insurance can accord you perfect liability protection. Luckily, to mitigate this probable risk, you should have boat insurance, as it will kick in and provide liability protection against lawsuits and medical expenses that can cripple you financially.

Protect yourself: If you inflict injuries to a passenger, swimmer or cause damage to another watercraft while utilizing yours, you will be responsible for their physical injury and medical bills. However, boat insurance will cover such costs, and you won’t be personally liable for them.

Are you ready to get started with boat insurance in Fontana, CA? Please call or visit us at Rock Hard Insurance Agency for an affordable and personalized boat insurance quote.

An Introduction to Boat Insurance

Your boat needs insurance just like your car does. While your homeowner’s policy provides a little protection for your boat, it does not cover everything that could happen to it.

While you enjoy the waterways of California, Rock Hard Insurance Agency, serving Fontana, CA, wants you to understand how boat insurance protects your watercraft investment and why you need a policy.

Boat insurance provides property damage protection.

Your boat could sustain damage on or off the water, and boat insurance protects it in every situation – while on the water, in transit, in dry-dock, or the marina.

The same policy also provides liability coverage, which pays for the medical bills of any individuals who sustain an injury due to negligence or fault. It also pays for any court settlement arising out of an accident. It also pays for the medical bills of an individual who incurs injury while operating the boat.

Like an auto policy, a boat policy contains four main components – liability, collision, comprehensive, and property damage insurance. The collision policy provides coverage for accidents on the road or the water.

Most states do not require you to insure your boat with boat insurance. Home insurance policies provide a tiny amount of liability coverage. Typically, the liability coverage equals ten to twenty percent of the home value. If your home value is $150,000 and your home policy provides ten percent coverage, you have $15,000 of liability coverage. The average hospital stay costs $15,000. For added liability coverage alone, the boat policy is worth it.

The boat policy also provides significant property damage coverage. The average boat policy uses an agreed-upon value or a depreciated value. You need to discuss the two options with your insurance agent and determine which method works better for your financial situation.

Contact Rock Hard Insurance Agency, serving Fontana, CA, to learn more about how boat insurance protects you, your boat, and your other watercraft. Call us today to start protecting your finances.