Whether 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.
Most 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:
- Class A: Luxury coach models, converted bus and motor coaches up to 75 feet long.
- Class B: The smallest class of recreational vehicles, these do not have a cab-over, and can include cargo van type designs, travel trailers and camper vans.
- Class C: Includes vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area, and also includes fifth wheel vehicles.
- RV insurance is required in every state, just like car insurance. Each state requires a minimum amount of liability insurance, and some require uninsured and under-insured motorist’s coverage. You decide the collision and comprehensive insurance limits, so be sure to consider the total amount you have invested in your RV.
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:
- Campsite and vacation coverage
- Full-timer coverage if your RV is your full time residence
- Uninsured and underinsured motorists coverage
- Total loss replacement coverage
- Towing and roadside coverage
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.