RV insuranceWhether you’re heading to the beach, or visiting friends and family, the spring and summer seasons can present challenges for U.S. drivers. We normally think of winter as a difficult season to drive in, however, extreme spring and summer thunderstorms, hail, hurricanes and even tornadoes can make vacation traveling risky. In 2013, according to the Insurance Institute for Highway Safety (IIHS), the month of August saw the highest number of fatal car accidents. Spring and summer are exciting times for everybody, but especially for weekend warriors and die hard vacationers who can’t wait to get out their recreational vehicles. Before the fun can begin, make sure your favorite summer toys  are shipshape. An important part of that inspection is making sure you have the best cheap car insurance for all your toys. Even if you’re already covered, it is a good time review your coverage and see if you can find a better rate on your RV insurance.

RV insurance 2Most insurance companies can offer specialized coverage on both motor homes and campers. RVs and travel trailers include a variety of vacation vehicles, from massive motor homes with slide-out bedrooms to small pop-ups trailers. RV insurance is an important coverage because of the large investment you’ve made in your motor-home. It is also important because these are large vehicles, which makes the risk higher for accidents with major injuries and damage to other vehicles.

What Is RV Insurance?

Recreational vehicles, also known as RVs, come in all shapes and sizes and include a wide range of motor-homes. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time, and other important factors. The main difference in coverage comes between motor homes and campers. Since campers are towed behind a vehicle and not driven you will need to have the best cheap car insurance coverage on your car, as well as RV coverage on the trailer you are pulling.

From camper vans to bus conversions, RV’s are organized by classes. The classes of RV include:

What Does RV Insurance Cover?

RV insurance covers many of the similar risks that the best cheap car insurance does, including collision, comprehensive and liability coverage. Depending on the insurance company you select, your additional coverage options may include:

RV insurance protects you, as a recreational vehicle owner, from extreme out of pocket costs in the event of an accident that causes bodily injury or property damage or any kind a loss. RV insurance can also provide compensation for your costs if you have a roadside breakdown. As you roll out your grown-up toys in expectation of scorching summer fun, remember to ensure you have the best cheap car insurance and RV coverage you need to back up the fun with peace of mind.