July 8th, 2016
Ah, yeah—summer is here! Fresh drinks, cool water and good music, who doesn’t like to have a little fun in the sun? But before you head out on the road, water or trail, make sure you have all the bases covered: Bags packed? Check. First-Aid Kit? Check. Engine serviced? Check. Insurance updated? Here at CoverHound we can help you find the best motorcycle, RV and boat insurance coverage plans offered on the market, and all at an affordable price. Can we get a WooHoo?!
The Holiday Road
If you’ve decided to pack the family up in the old camper and drive cross-country for the trip, know that for a family of four, the average cost of a summer vacation comes close to $5,000. That’s a good chunk of change to begin with, but if an accident should happen, it could wind up costing you every penny in your pocket, just ask the Griswolds.
For couples who want to see the U.S. unimpeded, driving across state lines on the back of a motorcycle is the ultimate thrill. Though something to know: motorcycle insurance is a must-have for any rider. Required in 46 of our 50 states, motorcycle insurance protects you after an accident. According to the Insurance Institute for Highway Safety (IIHS), 62 percent of rider fatalities occur between the months of May and September, with fatalities peaking in June. The summer months see the most motorcycle and passenger vehicle collisions than any other time of the year. If you do decide to tour the country on the back of a Harley, make sure you have the insurance to back you up.
For the luxury campers, a recreational vehicle (RV) is the ultimate package. You can leave at a moment’s notice, park anywhere you want, and shower any time. And luckily for you, there are even some cases in which your auto insurance coverage can extend to the RV! But be warned, no two auto insurance companies look at RVs as one and the same. While some companies define an RV as both a motorhome and travel trailer, others define it as either or; this leaves some coverage types wanting.
RV insurance is required in every state, but to qualify, the Department of Motor Vehicles (DMV) notes that the RV must have the following items permanently attached in the vehicle:
- - Bathroom
- - Refrigeration
- - Heating and/or air conditioning
- - 110-125 volt electrical system
- - Cooking appliances
- - Drinkable water supply system
If your trailer should not have any of the above, there’s no harm in checking into a hotel for the week! Just take a look at The Majestic Yosemite Hotel in the Yosemite National Park.
The one thing every family absolutely must do at least once is go boating. Unlike motorcycle and RV insurance, boat insurance is not required by law, though we still advise that you check with your local state government to see if your state requires it. Even if your state doesn’t require that you get boating insurance, you should. According to the U.S. Coast Guard, there were over 4,000 boating accidents in 2014, resulting in $39 million dollars worth of injury and property damage. Don’t try to save a few bucks a month by skipping insurance coverage—it could come back to cost you thousands of dollars later on.
To learn more about motorcycle, RV and boat insurance, give one of our representatives a call today at (877) 978-1562, we’re here to help!