What auto insurance add-ons should I consider?

Auto insurance is not one size fits all. It is customizable to fit you and your auto insurance needs. You can choose a basic policy if you have little or no assets. If you have an older vehicle with little value, you may only need the required insurance. If you have a new vehicle or an auto loan, collision and comprehensive insurance may be necessary. Beyond these components, some add-ons can make your auto insurance a perfect fit for your lifestyle. At Rock Hard Insurance Agency in Fontana, CA, we know the right questions to ask to make sure that we give you the right coverage. 

Gap insurance

If you have a bad accident, your vehicle may be declared a total loss. Your insurance will come up with a figure that they believe to be the value of your vehicle. Unfortunately, this may be less than you owe on your vehicle. With gap insurance, you will get the difference between the amount you owe and the amount the insurance will pay you. This coverage is only for the original loan owner. If your car is a year or less old, you may want to consider New Car Replacement insurance. Your auto insurance alone will not get back the money you put down on your car or your trade-in. It would be best if you had this to replace your car. 

Roadside assistance

Breaking down is a bummer. Being able to call for help and not pay a fortune is something everyone can benefit from. You might have another type of roadside service, but generally speaking, the one offered through your auto insurance company may be a better buy. It is worth checking out and making a price comparison. 

Contact Rock Hard Insurance Agency in Fontana, CA to get the information you need about auto insurance add-ons.

3 reasons to purchase professional liability coverage

Whether you are a freelancer or an executive employee in a company in Fontana, CA, owning professional liability coverage is an essential step in safeguarding your career. We live in an extremely litigious society where you can be sued for various reasons. Additionally, some companies do not hire professionals without professional liability insurance. That is why owning this policy can be as essential as the contract itself. Other reasons why you may need professional liability insurance include:

 No one is perfect; we all make mistakes.

The most important reason you need professional liability coverage is to protect yourself from unavoidable lawsuits resulting from some mistakes in your work. While most errors and mistakes are unintentional, they may get you into trouble, especially when dealing with a vast number of customers. Professional liability insurance helps protect your career from such situations and pay your legal fees if you are sued.

Professional liability insurance protects your assets.

A mistake or a lawsuit can be exhausting, time-consuming, and can shake or bring your business down. This can affect your ability to earn income like before as you attend court to defend yourself. Professional liability insurance protects your assets and what matters to you most, so you have peace of mind while working.

You sound more professional with professional liability insurance.

The best thing about having professional liability coverage is that it gives your business or professional the voice it deserves and sells you out there. Many companies prefer to work with insured professionals to safeguard their investments. Remember, your professional reputation is much more important for your work, and mistakes and errors don’t need to get to the court. Your coverage can help cover these settlements.

Need some more information about professional liability insurance in Fontana, CA?  Rock Hard Insurance Agency is ready to help. Our team of professionals can assess your career needs, risk profile, and other needs and ensure that you get the quality of coverage you need. Try us today!

The Essentials of Homeowners’ Insurance

The Essentials of Homeowners’ Insurance

Some of the details of buying a home can temper your excitement, like dealing with home appraisals, escrow, and pre-move in repairs. Your homeowners’ insurance should not be one of the excruciating details. At Rock Hard Insurance Agency in Fontana, CA, we want you to understand what a standard policy gets you and which policy areas you can increase coverage.

A standard policy covers four home components – property damage, other structures, living expenses, and liability. The property damage component pays for damage from a named peril to the interior or the exterior of the home. This portion of the policy also pays for damage to personal property.

The other structures policy protections extend to the structures on the property not connected to the home. This includes items like detached garages, fences, sheds, and workshops. If these structures incur property damage due to a named peril or their contents, the policy covers their repair or replacement.

The living expenses component covers the cost of living in a hotel or apartment while damage to the home gets repaired. It often also covers per diem for meals.

The liability coverage pays for court costs and settlements if someone gets injured on your property. This usually equals about ten percent of your home’s worth. That means, for a home valued at $200,000, you get about $20,000 of liability coverage. If that does not sound like enough coverage, then you can add to it. It pays for medical costs and court settlements plus attorney fees. 

Contact Rock Hard Insurance Agency in Fontana, CA for more information on home insurance. We can help you protect your home investment.