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Does My Boat Qualify for a Luxury Insurance Policy?

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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.

Is renters insurance required by law in California?

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Renters insurance is not required by state or federal law in Fontana, CA, but you may still want to consider whether you should carry this kind of protection. At Rock Hard Insurance Agency, we understand that there may be multiple reasons you would benefit from carrying renters insurance.

Your Landlord May Require You To Carry Renters Insurance

Fontana, CA landlords carry insurance on their own property, but that insurance does not protect their tenants’ belongings. For instance, if there is a fire, the property insurance will cover the physical damage to the building.

If you don’t have renters insurance, you will need to replace your personal belongings on your own. If you lose your furniture, clothing, electronics, and everything else, you will be glad if you have renters insurance. 

If your landlord discovers that you do not have a current policy, they may be able to add a policy and add it to your rent. When your landlord chooses the policy, it may not be a policy you would choose on your own. If you want to compare policies to find the price and coverage you need, you will have to find your own coverage. 

Renters Insurance Offers Other Protection

Besides protecting your property, your renters insurance offers other kinds of protection. You will have some liability protection if someone is injured while visiting you. Renters insurance also has coverage so that you will have a place to stay if your place becomes uninhabitable due to a fire or other disaster.

Call Today To Discuss Your Options

If you rent in Fontana, CA, you can benefit from renters insurance. If you have any questions or would like to discuss a renters insurance policy, please feel free to call Rock Hard Insurance Agency today.

Toy Hauler Motorhome Insurance: Protecting Your Hobbies on Wheels

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Owning a toy hauler motorhome in the Fontana, CA area combines the joy of recreational travel with the convenience of toys. While embarking on adventures, ensuring your investments, both the motorhome and the accompanying toys, are protected is crucial. 

Coverage for the Motorhome Itself

Coverage includes protection against common risks such as:

  • Collision Coverage: Covers damage to the motorhome resulting from collisions with other vehicles or objects.
  • Comprehensive Coverage: Protects against non-collision events, including theft, vandalism, and natural disasters.
  • Liability Coverage: Provides financial protection if the motorhome owner is found responsible for injuries or property damage to others.

Coverage for Toys and Recreational Vehicles

Critical considerations for these assets include:

  • Physical Damage Coverage: Protects the toys against damage or loss during transport or storage in the motorhome.
  • Theft Coverage: Safeguards against the theft of recreational vehicles stored in the toy hauler.
  • Liability Coverage for Toys: Extends liability protection to the operation of recreational vehicles stored in the toy hauler.

Customizable Coverage Options

Owners can tailor their policies to include additional protections such as:

  • Emergency Expense Coverage: Assists with lodging, transportation, and meals if the motorhome becomes uninhabitable during a covered loss.
  • Personal Belongings Coverage: Protects personal items inside the motorhome, including clothing, electronics, and other belongings.

Navigating Premium Factors

Various factors influence toy hauler motorhome insurance premiums, including:

  • Driving Record: A clean driving record often leads to lower insurance premiums.
  • Location: Where the motorhome is stored and primarily used can impact insurance costs.
  • Type and Value of Toys: The type and value of the recreational vehicles stored in the toy hauler contribute to premium calculations.

Rock Hard Insurance Agency Can Help You

At Rock Hard Insurance Agency, we can help answer questions concerning motorhome insurance. We serve the Fontana, CA area. Contact us today. 

Protecting Your RV: Questions to Ask When Choosing a Policy

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Choosing the right insurance policy is crucial to protect your RV and ensure peace of mind while on the road. At Rock Hard Insurance Agency in Fontana, CA, we’ve compiled this list of essential questions to ask when selecting an RV insurance policy.

What Types of Coverage Are Available? 

Understand the different coverage options, such as liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP). Determine which ones are necessary for your needs.

Is Full-Time RV Insurance Available? 

If you live in your RV full-time, inquire if the policy covers this lifestyle, including personal liability and property coverage.

What About Emergency Roadside Assistance?

Find out if the policy includes emergency roadside assistance, which can be a lifesaver in case of breakdowns or other issues while on the road.

Are Personal Belongings Covered? 

Ask if the policy covers personal belongings inside the RV, such as clothing, electronics, and appliances.

What About Vacation Liability Coverage? 

Determine if your policy includes vacation liability coverage, which protects you if someone is injured at your campsite.

Are There Specialized Coverages for Customization? 

If you’ve customized your RV, inquire if the policy offers coverage for these modifications.

How Is Claims Processing Handled? 

Understand the claims process, including how quickly claims are processed and how disputes are resolved.

Is Full-Time Customer Support Available?

Ensure that customer support is accessible 24/7, especially if you’re often on the road.

Schedule A Consultation Today

Choosing the right RV insurance policy involves careful consideration of your needs and preferences. By asking these questions and comparing policies, you can protect your RV investment and enjoy your travels with peace of mind. To learn more about insuring your RV, visit us at Rock Hard Insurance Agency in Fontana, CA today.

The Benefits of Customizing Your Motorcycle Insurance Policy

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Riding a motorcycle in Fontana, CA requires insurance coverage, but not all bikes and riders have the same needs when it comes to that coverage. At Rock Hard Insurance Agency, we want you to have the type of coverage that suits you specifically.

And that’s what customizing your motorcycle insurance policy is all about. You want a personalized policy tailored to your needs, and there’s a tremendous amount of benefit that comes along with that.

What Does Customization Mean for Motorcycle Insurance?

Insurance policies can vary a great deal. Outside bare minimum coverage, you’ll notice that some policies might offer more of one type of coverage but not enough of another. For example, you may need more liability coverage than what’s typically packaged into a policy because you live in a busier part of town. Or, you might want more comprehensive coverage.

In these cases, you will need to go beyond the minimum package without moving forward with a higher-tier package that offers you barely what you need and too much of what you don’t need.

To that end, we will work with you to make sure you have the legal coverage you need, but also the additional coverage you may find necessary for your activities, type of motorcycle, or peace of mind.

What Types of Coverage Options Exist for Customization?

Various coverage types exist, and the most common include:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist
  • Medical Payments

You may even have special or unique policy needs because you ride a special or unique type of motorcycle. Personalizing your motorcycle insurance policy ensures your valuable investment has adequate protection and that you have more freedom to enjoy your ride.

We Are Here To Help

Rock Hard Insurance Agency serves Fontana, CA and surrounding areas. If you want to learn more about personalizing or customizing your motorcycle insurance policy, contact us today to find out how.

Does Your Current Boat Policy Provide These Features?

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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.

Why should a car owner in California get auto insurance?

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No matter where you live in the Fontana, CA area, owning a car will prove to be a good idea. If you are going to buy a car in this part of California, you will want to know that you have the right insurance for it. An auto insurance plan is a good investment for various reasons and there multiple good examples of why a car owner or lessee here should always have auto insurance. 

Protect Vehicle

A great reason to get an auto plan in this part of California is to protect your car. A vehicle is one of the largest and most expensive assets that someone will ever own. When you get an auto plan, it will provide support to replace or repair your car if you incur a loss in certain situations. This can help save a considerable amount of money in some challenging situations. 

Reduce Liability Risks

It can also be helpful to get auto insurance so you can reduce your liability risks. Drivers of a car will always take on the risk that they cause an accident. When this happens, it will be important that you carry insurance as it will provide coverage for damages that you are held responsible for. Liability insurance is also a requirement if you want to drive a vehicle on a public road in this state. 

Reach Out To Us

Ultimately, anyone that is going to drive and operate a vehicle in the Fontana, CA area will need to have insurance for it. When you are looking to get this coverage in this area, you should start your search by calling our professionals at the Rock Hard Insurance Agency. Our insurance team with the Rock Hard Insurance Agency can help you evaluate your options and build a policy that will meet your needs and obligations. 

Does Your Small Business Need Commercial Insurance?

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As a small business owner in Fontana, CA, you might wonder whether commercial insurance is necessary for your operation. Regardless of the size or nature of your business, having the right insurance coverage is crucial to protect your investment and ensure its long-term success.

Protect Your Assets and Investments

Your business represents a significant investment of time, money, and effort. Commercial insurance helps safeguard your assets, such as your building, equipment, and inventory, against potential losses from theft, vandalism, or natural disasters. By working with Rock Hard Insurance Agency, you can ensure your business has the coverage to protect your valuable assets and minimize financial risks.

Shield Against Liability Claims

Accidents can happen, no matter how careful you are, and your business could be held responsible for injuries or damages. Commercial insurance provides liability coverage to protect your company from the financial burden of lawsuits, medical expenses, and other claims-related costs. This protection is essential for small businesses in California, as even a single liability claim could devastate your company’s financial stability.

Meet Legal and Contractual Requirements

Depending on your industry and the specific regulations in California, your business may be legally required to carry certain types of commercial insurance. Contracts with clients, vendors, or landlords often include insurance requirements. Ensuring that your business has coverage protects your company and helps you maintain compliance with these contractual obligations.

Foster Trust and Confidence

Adequate commercial insurance coverage can boost your company’s reputation among customers, suppliers, and partners. Consumers often perceive businesses committed to protecting their assets and addressing potential risks as more reliable and trustworthy.

Reach Out To Us

Commercial insurance is vital to any successful small business strategy in Fontana, CA. Contact Rock Hard Insurance Agency today to safeguard your company’s future.

The 3 Components of Renter’s Insurance

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If you are renting or leasing a home, you may be required to have renter’s insurance. This policy can help protect you and your belongings. At Rock Hard Insurance Agency in Fontana, CA, we offer renter’s insurance and other policies to meet your insurance needs. 

Three Components of Renter’s Insurance 

Personal Property Coverage 

Renter’s insurance provides personal property coverage. Your landlord’s property policy covers the structure of the home but not your personal belongings. 

Your furniture, clothing, and valuables are covered under this policy. If they are damaged, personal property coverage will cover repair or replacement up to the coverage limit. Covered perils typically include fire, wind, and theft. 

It’s important to note that certain items, like antiques or jewelry, may not be covered. You can purchase a policy rider to cover valuable items. 

Liability Coverage 

Liability coverage is an often overlooked component of renters insurance. If a guest is injured on your property, liability coverage will cover their medical expenses. 

It also covers damage to other’s property while they are visiting your home. For example, if someone slips on your floor and injures themselves, this portion of the policy will cover their medical bills. 

It’s important to note that intentional harm or negligence isn’t covered. 

Living Expenses Coverage 

If your home becomes unlivable, this can put you in a financial bind. You’ll likely be required to pay rent on the property. At the same time, you may need to pay for a hotel or another rental.

Living expenses coverage covers the costs of living somewhere else while your home is being repaired. It also includes other expenses, including food, while you are away from home. 

We Are Here To Help!

If you are a renter in Fontana, CA, contact us at Rock Hard Insurance Agency. Our agents will discuss your needs and help you select the right renter’s policy. 

Motor Home Insurance & Full-Time Residences

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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!

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