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. 

California Motorcycle Insurance: How to Prevent Theft of Your Bike

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When you have a motorcycle in California, you want to be sure that it is protected from all ill will in the world. At Rock Hard Insurance Agency, we’ve seen too many Fontana, CA residents lose one of the most precious things in the world to them. 

Follow these tips to protect against theft of your motorcycle in California.

Theft Prevention Gear

There are a lot of ways that you can protect your bike from theft with motorcycle security and protection. Theft prevention gear for bikes today is extensive and ranges from locks and chains to state-of-the-art motorcycle security systems.

Use a cover for your bike and keep it secure at all times.

Security Cameras

Insurance companies really like security cameras, and so do the police. Keep your bike near security cameras and in a well-lit area when not in use. There are many affordable options that you can purchase that will get the job done.

Secure the Vehicle

If you can put your motorcycle away where nobody can see it, this is the best way to prevent vehicle theft. Curtains around your bike, or a garage would be helpful. Even securing it away from the road would be a good anti-theft storage method.

Get a Tracker

Trackers for motorcycles are becoming increasingly common. Invest in a GPS tracker for your bike so that you or the police will be able to locate it in the event it goes missing or gets stolen.

Get a Quote

Follow these security tips for your motorcycle when you are at home, and when you are on the road. Always be vigilant. At Rock Hard Insurance Agency, we can help Fontana, CA residents feel more secure with the right theft coverage for your California motorcycle insurance. Call us for a quote today.

Is Boat Insurance A Necessity?

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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.

Does my auto insurance cover a rental car

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It’s vacation time again, and it’s time to start making those vacation reservations. You’ve booked the flight, booked the hotel, and now it is time to book the rental car. The flight and hotel were pretty straight forward but as soon as you try to book the rental car, you are ht with a bunch of questions and forced to make choices about additional types of insurance coverage. At Rock Hard Insurance Agency in Fontana, CA, our team will work with you to make sure you understand the coverage you have and what additional coverage you may need. 

The answer to the question does my auto insurance cover a rental car is not as simple as it may seem. The correct answer is maybe. A lot depends on the exact nature of the auto insurance that you have on your personal vehicle. If you have a clunker and have only basic liability insurance on it then no, your auto insurance is not adequate to cover a brand new rental vehicle. 

In order to feel confident that your own insurance will cover a rental vehicle, you need to have full coverage, including collision, and comprehensive. Having more than basic liability coverage is always a good idea. If you aren’t sure you should call your independent insurance agent and ask them about your coverage. 

If you think your auto insurance might not be adequate, check with the credit card you plan to use for the auto rental. Many of them have additional services including coverage for rental cars as part of their customer perks. Some have rental car coverage that you can add to your card for a small yearly fee. 

At Rock Hard Insurance Agency in Fontana, CA, we are dedicated to making sure that our customers get the insurance that they need at a price they can afford. 

What commercial insurance is necessary in California

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Owning a business comes with plenty of risks. Every business has different risks; it is definitely not one size fits all kind of thing. You need to protect yourself from the risks and having an independent insurance agent who understands your particular type of business and can anticipate the type of risks you need to be protected from is important. At Rock Hard Insurance Agency in Fontana, CA, we provide a personal level of service.  We are there to help our customers no matter what they need help with. 

Commercial Auto insurance 

In the state of California, commercial auto insurance is required for all business-owned vehicles. The required coverage is 15/30/5. What this means is $15,000 for one person who is injured with the total for any accident of $30,000 with $5,000 allowed for damages to property.  This is very basic coverage, and it may not be anywhere near enough for a well-established business. 

Worker’s compensation insurance

Worker’s compensation is required in California if your business has even one employee. They can be part-time or full-time workers. This will pay for work-related injuries, illnesses, or lost time. This protects your employees but it also protects you. 

While these are the only required types of commercial insurance, they are not the only ones that really are necessary to protect your business.

Commercial property insurance will help you to recover from a covered peril. If your business is physically damaged, including your machinery, inventory, office equipment, or raw material you need help to rebuild. Commercial property insurance provides that help. 

Commercial liability is something any business can benefit from. Businesses are vulnerable to legal actions against them. Liability insurance offers the financial support you need to deal with legal actions against you. 

When you are ready to discuss your commercial insurance needs Rock Hard Insurance Agency in Fontana, CA will be here for you. 

What coverage does renters insurance offer

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California has a lower percentage of rentals than many other areas in California at 34 %. On average, only about 45% of renters carry renters insurance. That leaves a lot of people in a perilous place. Even in a nice area like Fontana, bad things happen, and without renters insurance, you risk losing all your possessions and potentially all your assets. At Rock Hard Insurance Agency in Fontana, CA, we are committed to providing our clients with exceptional service. We get to know our clients and their needs personally. 

You may believe your landlord is looking out for you and has insurance that protects you. Unless you have an exceptionally generous landlord, the only insurance they will have is for their building, and you are on your own for your possessions. Having your own renters insurance offers you a variety of protection. 

Possessions

Everything you own may be located in your rental. This includes your clothes, your electronics, your furniture, and other items you own. Losing them to something like a fire would be devastating. Rental insurance will cover things like your laptop or tablet even if you are not at home. Theft is one of the types of coverage renters insurance provides. However, keep in mind policies have a deductible. 

Liability coverage

Unless you are a hermit, chances are you will have friends visiting you at your rental. If someone is injured while visiting and needs to visit the doctor or emergency room, you could be liable for those medical expenses, and friends have been known to sue other friends. Liability coverage will help you in the event this happens to you.

Loss of use

Being without a place to stay is no fun. With renters insurance, you will have help paying for a place to stay while your rental is being repaired after a covered hazard. 

Contact Rock Hard Insurance Agency in Fontana, CA with any questions you have about renters insurance. 

4 Areas Covered By RV Insurance

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Owning an RV is a lot of investment. In fact, it can be as expensive as owning a house. That said, you need to protect your motorhome or camper with proper RV insurance. When you are budgeting for financing cost and maintenance cost for your RV, you must factor in insurance.

Having the right RV insurance coverage will help protect you and your RV. At Rock Hard Insurance Agency in Fontana, CA, our job is to make sure you are adequately covered. Here are the coverages you will get when you purchase RV insurance coverage from us.

Areas covered by RV insurance

While RV insurance protects you from various perils, below are the common areas covered by RV insurance.

  • Liability coverage: Liability coverage is the most important RV insurance policy. Most states require you have at least liability coverage as the minimum insurance for an RV. It covers you for any cost of damage and bodily injuries that you are at fault. However, liability coverage does not cover any damage to your vehicle.
  • Medical payments: This coverage pays for medical bills if you or your passengers are involved in an accident, regardless of who is at fault.
  • Physical asset protection: Comprehensive coverage protects your RV from non-collision perils like fire, vandalism, falling objects, theft, and so forth. Collision coverage covers accident-related damages to your RV. Your personal belongings are also protected if you opt for property protection coverage.
  • Underinsured and uninsured motorist coverage: If your RV is in an accident with someone with insufficient insurance cover or with no insurance at all, this coverage covers any property damage, lost wages, or even injuries.

RV insurance in California

With RV insurance, you can rest assured your investment is safeguarded. Even if it’s not a requirement in your state, having your RV protected is always a good idea. Are you looking for RV insurance? Look no further than Rock Hard Insurance Agency. Call or visit our office in Fontana, CA today.

Who needs a California motorhome insurance plan?

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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. 

Why should I get motorcycle insurance in Fontana?

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In the Fontana, CA area, owning a motorcycle can be a great option. If you are a motorcycle owner in this area of the state, it will give you an efficient way to get around town while also allowing you to enjoy the nice weather and scenery. If you are going to purchase a motorcycle here, you also need the right insurance for it. There are a few reasons why you should get a motorcycle insurance plan when you are here.

Insurance is Required to Drive

People need to get a motorcycle plan here because it is a requirement for you to be able to drive. Similar to when you use any other type of vehicle, a motorcycle operator needs to carry liability insurance at all times. Those who do not carry motorcycle insurance could find themselves in trouble with the law and may need to pay a fine or even lose their right to drive.

Insurance Protects Asset

You will also want to get a motorcycle insurance plan because it can protect your asset. Anyone going to buy a motorcycle will be making a big purchase that they will want to have covered for years to come. With a full motorcycle insurance plan, you will get the protection needed to repair or replace your motorcycle. 

When shopping for a new motorcycle insurance plan in the Fontana, CA area, it would be a good idea for you to call the Rock Hard Insurance Agency. If you do work with the Rock Hard Insurance Agency, you can learn a lot about how this insurance can protect you. The team will then help you build a plan that provides the ideal coverage for your situation. 

An Introduction to Boat Insurance

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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.

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