Category: Motor Home Insurance

At the Rock Hard Insurance Agency in Fontana, CA, we work diligently to match clients with the right kind of insurance for them. When a client owns an RV, they might not realize that there are different kinds of RV insurance. While RV insurance might seem like a one-size-fits-all insurance policy, the specific type of policy you should choose depends on how much you live in your RV. Here we outline the kind of motor home insurance that covers full-time RV residences.

What Type of Motor Home Insurance Covers Full-Time Residence?

For those who live in their motor home on a full-time basis, the best choice for RV insurance is Full-Timer RV Insurance. This kind of policy has coverage that is tailored to the unique needs of those who spend the majority of their time during the year living and even traveling in an RV. 

When you hear the words “full-time RV living,” you probably think of folks who spend all year living out of their RV as a permanent residence. You may even have glamorous mental images of happy retirees traveling across the country on a never-ending adventure in their RV. While this would be fun, it’s not necessary for full-time RV residents to match these ideals to qualify for full-time RV insurance. While the specifics of policies vary, most RV insurance policies consider an RV resident a full-time resident if he or she lives in the RV all year round or sleeps in their RV for six months out of the year. The “full-time residency” requirement may be met if someone spends 150 nights out of the year in their RV under certain policies.

Give Us A Call

For more information on our RV insurance policies, call Rock Hard Insurance Agency in Fontana, CA today!

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.

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.

The Fontana, CA area is near many recreational parks and activities that anyone can enjoy. Those in this area of the state may also want to explore the natural beauty that the rest of the state and country offers. If you dream of seeing the country, owning a motorhome is a great way to do it as you will have a safe vehicle and a place to sleep at night. There are plenty of situations when people will need to get motorhome insurance if they invest in one.

Those that Want to Comply with Agreements Need Coverage

A situation when you want to have motorhome insurance is when you want to comply with all of your agreements and obligations. Motorhome owners here will need to have a full motorhome insurance plan if they have taken out a loan to buy the asset. Further, if you want to operate any California vehicle, you need to maintain the state minimum requirement for liability insurance. 

Those that Want Protection

People that are motorhome owners will want to ensure that they and their asset is properly covered. If you get a full motorhome insurance plan, you will have the needed protection to repair or replace your motorhome following certain situations. Further, it will give you liability protection that will be helpful if you are found liable for damages in an accident.

A Fontana, CA area motorhome owner needs to get a motorhome insurance plan. If you are looking for motorhome insurance here, you should call the Rock Hard Insurance Agency. The Rock Hard Insurance Agency team will offer you the guidance needed to choose a plan that works for you.