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Consider How Much Insurance You Need for Your New Motorhome

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If you plan on buying a new motorhome, you will need to decide how much insurance coverage you need. Review some guidelines outlining coverage types that will protect your new investment.

Liability Insurance Benefits

Liability insurance protects you if your motorhome causes damage to a motorist’s vehicle or injures a passenger. This type of insurance also protects against physical property damage.

Physical damage to property includes disruption to land or the materials installed on a piece of property. Liability protection will also cover injuries and damage that occur inside your RV.

Liability protection will shield you from high legal costs if someone gets hurt or if their belongings are damaged in your RV.

Personal Property Protection

Property coverage will prevent the loss of your possessions. Each time you use your motorhome, you are at risk of encountering a disaster that could damage the items within your recreational vehicle. You are also at risk of having your items stolen.

Property insurance can be used to cover any items you wish. You can cover the RV itself. You can also insure your motorhome’s furnishings, appliances, flooring, and other items.

Preliminary Inspection Essentials

Do a preliminary inspection of the motorhome you plan on buying. As you walk through the motorhome, note the RV’s layout and the features that are included. Decide which type of coverage will be beneficial to you.

Contact An Insurance Agent in Fontana, CA

Contact one of our agents. At Rock Hard Insurance Agency, an agent will schedule a consultation to discuss the type of insurance you need for your motorhome. Once you have selected coverage types, your new motorhome insurance policy will be prepared.

How to Prepare for an RV Insurance Claim: A Step-by-Step Guide

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When you hit the road in your RV, the last thing you think about is the possibility of an accident. However, being prepared for damage if it does occur can help protect your investment and provide peace of mind. Serving Fontana, CA, and the surrounding areas, Rock Hard Insurance Agency offers complete RV coverage to help you recover financially after a covered event.

Steps to Prepare for an RV Insurance Claim

1. Document the Incident

After a covered incident occurs, promptly document the scene. Take plenty of photos, making sure to capture all damages. Also, gather witness statements, police reports, and other evidence.

2. Contact Your Insurance Provider

Report the claim to your insurance provider as soon as possible. Have the necessary information on hand, such as your policy number and accident details.

3. Work with an Adjuster

Once you’ve filed a claim, expect to hear from an adjuster who will determine the outcome of your case. Be prepared to answer questions and prove your case if necessary.

4. Follow Up on Your Claim

Keep track of your claim’s progress by communicating regularly with your insurance company. Delays may occur if your provider needs more evidence or time to investigate.

5. Understand the Settlement Process

Near the end of your case, you may be offered a settlement. You’ll have the right to accept, deny, or negotiate.

6. Finalizing the Claim

Once a settlement has been concluded, you’ll need to complete all required paperwork. Keep copies of all records, including correspondence and claims documents.

Speak with an Experienced Insurance Agent

At Rock Hard Insurance Agency, we strive to help Fontana, CA residents safeguard their RVs with the proper coverage. Call 208-298-9450 to speak with one of our knowledgeable agents.

Ride Safer on Fontana CA’s Urban and Desert Roads with Comprehensive Motorcycle Insurance

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Learn how to ride safely on local roadways from the experts at Rock Hard Insurance Agency in Fontana, CA.

Navigating Urban and Desert Terrain

California bikers attempting to navigate urban and desert terrain may encounter extreme traffic congestion, high temperatures, and varying road conditions.

Managing Weather Extremes

Extremely high temperatures in the desert and surrounding areas can make riders more susceptible to heatstroke even when they are wearing protective motorcycle gear.

Local bikers must prepare for biking in high temperatures by wearing breathable clothing, staying hydrated, and taking frequent breaks from direct sunlight in shaded areas.

Additional Effects of Skyrocketing Desert Temperatures Can Include: 

  • Tire Blowouts
  • Increased Risk of Accidents
  • Heat-Related Fatigue

Having a comprehensive motorcycle insurance policy in place while navigating Fontana’s urban and desert roads or cruising through the San Bernardino National Forest feels safer when cyclists know their financial interests – and their motorcycles – are protected from financial loss.

Ride Safer on Urban and Desert Roads with Comprehensive Motorcycle Insurance

Comprehensive insurance for bikers includes provisions for motorcycle accidents, thefts, vandalism, natural disasters, animal collisions, and a variety of other uncommon perils that can happen on local byways.

A full-coverage motorcycle insurance policy may also have options for policy add-ons like emergency roadside assistance, towing, and recovery services for motorists stranded on desert roads.

Talk to a trusted local insurance agent at Rock Hard Insurance Agency in Fontana, CA to learn about your options for comprehensive motorcycle coverage to protect your ride.

A licensed and knowledgeable insurance agent can answer specific questions about motorcycle insurance, provide professional advice, and offer you a custom quote based on your previous driving record and insurance history.

Contact our office today to learn more!

Do You Need Boat Insurance In The Off Season

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Boat owners dock their boats at a local marina during the off-season every year. Despite California often being associated with constant sunshine, it also experiences an off-season for boats. During a typical winters characterized by choppy, high waters, most boat owners abstain from voyages. Similarly, many boat owners in Northern California opt to dock their boats for the season. Do you still require boat insurance during this period, or is it superfluous? Let’s delve into everything you need to know.

Insurance Mitigates Damages

A majority of boat owners maintain their insurance through Rock Hard Insurance Agency even when their boat is docked during the off-season. Natural disasters and accidents can strike unexpectedly, irrespective of the boat’s inactivity status. Specific types of coverage will address any damage to your boat, thereby alleviating the financial burden of expensive repair costs. Given that boats in marinas are typically parked close together, you could be held responsible if your boat collides with another during severe weather conditions.

Adherence to Marina Regulations

Most boat owners in Fontana, CA, dock their boats in a marina. However, numerous marinas necessitate boat owners to maintain insurance to permit their boats to be docked. A lapse in coverage could result in the troublesome task of finding a new marina. Today, many marinas verify that boat owners possess and maintain insurance coverage if the boat damages the surrounding boats during extreme weather or other accidental situations. Securing appropriate coverage guarantees a hassle-free docking spot for your vessel.

Get in Touch with Rock Hard Insurance Agency

We at Rock Hard Insurance Agency specialize in a variety of insurance types, including boat and watercraft insurance. Our experienced agents collaborate with you to identify the right coverage to ensure off-season protection, even if you only seek liability coverage. We take pride in serving the Fontana, CA, region. Contact Rock Hard Insurance Agency today for more detailed information.

How to Build a Safe Driving Record

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You may understand the importance of building your savings and investment accounts, but did you know that building a safe driving record can also pay dividends?

At Rock Hard Insurance Agency of Fontana, CA, we understand that the best way to get preferred rates on auto insurance is to build and maintain a clean driving record. Here’s how.

Stop Speeding

It may sound basic and even a bit elementary, but speeding is one of the country’s most cited moving traffic violations. At some point, we all can be guilty of it. We all have our thresholds, but maybe it is time to back it down a bit.

Practice Defensive Driving

Defensive driving is basically staying aware of your surroundings and anticipating what others may do. Some online defensive driving courses may qualify you for an auto insurance discount.

Avoid Distracted Driving

Distracted driving is a major cause of automobile accidents and bruised driving records. Put that smartphone aside when behind the wheel.

Watch Your Temper

Road rage can make even the most rational person act irresponsibly. Make room for and be patient with other drivers.

Talk to Young Drivers in the Family

A clean driving record is particularly important for new or young drivers in the family. Stress the importance of a clean driving record with them.

Monitor Your Driving Record

Like your credit record, it can be important to monitor your driving record. Points will eventually be dropped and citations cleared.

Get an Auto Insurance Quote Today

If you are interested in a free auto insurance quote, we invite you to contact us at Rock Hard Insurance Agency of Fontana, CA. We will happily answer your questions and get you a current quote. We look forward to assisting you.

Common Challenges in Commercial Insurance Claims

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Filing commercial insurance claims can be a complex process around Fontana, CA. Understanding these common challenges can help businesses better prepare and navigate the claims process.

Understanding Policy Terms

One of the most significant challenges is understanding the terms and conditions of the insurance policy. Commercial insurance policies can be intricate, with detailed clauses and exclusions that may not be immediately clear. Misunderstanding what is covered can lead to unexpected denials or insufficient compensation.

Adequate Documentation

Providing adequate documentation to support a claim is another common hurdle that may cause denials. Businesses must maintain meticulous records, including receipts, photographs, and reports that substantiate their claims. Proper documentation is essential to prove the extent of the damage or loss and justify the compensation requested.

Timely Reporting

Many policies have strict timeframes within which a claim must be reported. Delays in notifying the insurer can lead to complications or outright denial of the claim. Businesses must understand these time limits and act quickly following an incident.

Dealing with Adjusters

Adjusters are tasked with evaluating claims and determining the amount of compensation. Their assessment may not always align with the business’s expectations.

Navigating Exclusions and Limitations

Commercial insurance policies might include specific perils not covered or caps on certain damages. Understanding these exclusions and limitations beforehand can help manage expectations and guide the filing of claims within the policy’s parameters.

Handling Disputes

Disputes can arise from disagreements over the extent of coverage, the valuation of losses, or policy interpretations. Resolving such disputes may require legal intervention or arbitration.

Rock Hard Insurance Agency Helps Guide You

Rock Hard Insurance Agency will help guide you and show you how commercial insurance can save you in the long haul. Our team covers the Fontana, CA region. Get in touch with us today.

Does Renters Insurance Cover My Work-From-Home Business?

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Work-related tools and equipment have only minimal coverage by most personal renters’ insurance policies, though there are multiple options for gaining coverage if they have a home-based business. If you live in the Fontana, CA, area, our team at Rock Hard Insurance Agency will take the time to review your options and identify the renters’ coverage that works for you.

Renters Insurance and Working from Home

Working from home has many benefits, whether you own your home or rent. However, working from home introduces property and liability insurance issues regarding work equipment, whether it is owned by an employer, a home-based business, or personal assets that see occasional business use.

Your personal renters’ policy will not cover equipment your employer owns. Whether you are personally liable for damage or loss while you possess the equipment depends on your employer’s policies and is an issue you should clarify with them.

Likewise, your renters’ policy typically covers only personal property. It may cover a small amount of equipment your business owns, but you can add a rider or endorsement to your policy to cover assets your company owns. Also, your renters’ policy should cover personal assets occasionally used for business purposes.

As important, your personal renters’ policy will not cover the liability for work colleagues or customers injured at your residence during business activities. However, you can add a business liability rider to address that problem. 

As always, take the time to discuss your needs with your agent to ensure you have adequate protection.

Working with Rock Hard Insurance Agency 

Rock Hard Insurance Agency proudly serves the Fontana, CA, area. We can help you with rental insurance to protect your personal and business assets, so stop in today or call (909) 641-5067 regarding your insurance needs.

Does Your Motorhome Insurance Policy Cover International Travel?

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Owning a motorhome makes it easy to travel just about anywhere. What’s more, you don’t have to limit yourself to destinations in the United States. If you’re up for the adventure, there are plenty of other great spots to visit in Canada, Mexico, and Central America. However, advance preparation is necessary if you want everything to go smoothly. One meaningful way to prepare is to ensure you have the right insurance for your trip.

Does Motorhome Insurance Cover International Travel?

Regular motorhome insurance doesn’t cover international travel unless the policy specifically states that it provides international coverage or North American protection. What’s more, even policies that do offer international coverage may not provide sufficient coverage or the type of coverage you’ll need for your trip. 

What Does International Motorhome Insurance Cover?

Generally speaking, motorhome owners can expect a basic international policy to cover the same forms of damage that a U.S. policy would cover. However, you can increase coverage for your trip if you wish. Standard coverage will provide compensation if your motorhome is stolen. Extended coverage can provide compensation if your vehicle is vandalized. It can also cover needed repairs after a breakdown. 

Contact Rock Hard Insurance Agency for Motorhome Insurance

Rock Hard Insurance Agency serves motorhome owners in and around Fontana, CA. We make it easy for you to find the best insurance policies for your trip abroad so you can enjoy your vacation to the full. Contact us at your convenience to learn more about international travel insurance for your motorhome and other aspects of your trip or to get a quote on the policy of your choice.

Coverage For a Recreational Vehicle That Will Be Towing Another Vehicle

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Certain steps ensure the security of your travel trailer when towing another vehicle. Additionally, seeking appropriate insurance add-ons can provide protection for both your RV and the towed vehicle.

Investing in Towing Equipment

You need to consider the kind of towing equipment suitable for your vehicle. The equipment should match the weight class of the vehicle being towed. Towing essentials may include a hitch, a tow bar, and a trailer. Invest in alert lights for the safety of fellow motorists when towing is in progress.

Exploring Coverage Options

Next, review the insurance coverage options offered by your agency. It is crucial to have insurance that covers the safety of your vehicles while they’re on the move and stationary. Such coverage should also partially or fully cover repair or replacement costs if your vehicles suffer damages or theft when being driven or towed.

Understanding the Insurance Paperwork

After acquiring the necessary coverage, make sure you review and understand the associated insurance paperwork. Familiarizing yourself with the specifics of your coverage and responsibilities can save you unnecessary stress when filing an insurance claim.

Seeking More Information

Consult an insurance representative to seek clarification regarding your coverage specifics. Don’t hesitate to reach out to a representative from our Rock Hard Insurance Agency. Agents serving Fontana, CA, will gladly discuss the RV coverage provided by your policy.

Accessory Coverage with Your Motorcycle Insurance

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Motorsports are big in Southern California. If you customize your bike, you will need motorcycle accessory coverage.

Accessory coverage is an add-on to your motorcycle policy that covers repairs and replacements for customized parts on your bike. At Rock Hard Insurance Agency, serving Fontana, CA, we recommend accessory coverage for all our customers who have added extras to their bikes.

What’s Covered with Motorcycle Accessory Coverage?

Something that isn’t factory standard for your motorcyclist is usually classified as an accessory. This kind of insurance covers aftermarket additions to your motorcycle, even if you buy your motorcycle used and the previous owner added them.

Accessory coverage safeguards:

  • Custom paint jobs.
  • Custom seats and wheels.
  • Chrome.
  • Handlebars.
  • Saddle bags.
  • Electronics.
  • Your helmet, jacket, and protective gear (if these are written into your policy).

If you are continuously adding to your bike, you will want motorcycle accessory coverage.

How Motorcycle Accessory Coverage Works

If you ride a motorcycle in California, you must have liability insurance. But it is important to know that liability insurance only covers damage done by your bike, not damage is done to your bike. Comprehensive and collision insurance covers damage to your bike. But they don’t necessarily cover accessories. You will need comprehensive or at least collision coverage to get insurance for your accessories. If you opt for collision coverage, then your policy only pays when the add-ons for your bike are damaged in a collision. If you get comprehensive, they are also covered for vandalism and theft.

Your Rock Hard Insurance Agency agent can advise whether you need a separate rider for each accessory. Usually, your comprehensive or collision rider will cover accessories up to a stated dollar value. If you spend more on accessories than the stated limit in your policy, Rock Hard Insurance can ensure you get all the coverage you need.

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