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    Insurance | 4 min read

    Got to Get Away? Here’s a Summer Survival Guide for Your Next RV Trip

    Ah, summer! Time for lazy days spent lounging by the pool, backyard barbeques, fireflies at dusk, and everyone’s favorite—summer vacation. With COVID-19 in full force this time last year, many of us haven’t had a decent vacation in over a year. Statistics for summer travel trends from TripAdvisor paint a picture of Americans stepping out to see the sights this season:

    • Over two-thirds of Americans (67%) are planning to travel this summer (June 1 - August 31).
    • Americans are ready for a long holiday, with 29% taking a weeklong trip and 28% vacationing for 10 days.
    • Millennials are the most excited to travel, with the vast majority (72%) of the generation planning trips.
    • Over half (53%) of Americans plan to spend more on trips this year vs. last summer, rising to 66% for millennials.

    We all know that the U.S. is a huge country filled with endless geographical wonders. It’s home to some of the most incredible sights and experiences that top many travelers’ bucket lists, including:

    • Watching the sunset over the Grand Canyon
    • Relaxing on Florida’s white-sand beaches
    • Seeing the geysers and wildlife at Yellowstone National Park
    • Visiting the Redwood Forest to see the tallest tree in the world
    • Strolling through Central Park in New York City

    Whether you want to check zip lining at Grand Canyon or snorkeling in the Florida Keys off your own bucket list, traveling by RV is one of the best ways to see all that this country has to offer. In this blog post, we’ll give you essential tips for hitting the road in an RV this summer.

    Check Road Conditions Along Your Route

    Before you head off for adventure, be sure to check your itinerary for road conditions, construction, and closures. There is nothing worse than setting off on a road trip, only to get stuck in traffic! You can find a map of current road conditions by state here.

    Watch Out for Bad Weather

    Being aware of weather conditions can also help you stay safe and avoid hassle. You can find up-to-date weather information at any of the following sites:

    Make Sure Camping Spots Are Available

    If you’re thinking about getting out and enjoying one of our national parks this summer, you’re not alone! Both state and national parks are currently experiencing a huge influx of visitors. According to Outside, Yellowstone National Park hosted 483,159 visitors in May—an 11% increase over May 2019, previously the busiest year on record. As of May 31, Yellowstone had already seen 14% growth from that same period in 2019. That’s before summer—the park’s busiest season—had even started.

    Due to booming summer tourism, many national parks are now—for the first time ever—requiring visitors to make reservations ahead of time. Other popular destinations, such as Yosemite in California and Montana’s Glacier Park are capping the number of daily visitors they allow into the park.

    If you’re planning on taking your RV on a long trip to a state or national park this summer, make sure you plan ahead!

    RV Insurance: Types of Coverage

    If you like to travel the open road and have or would like to purchase an RV in the near future, you want to make sure you take out an RV insurance policy to protect it, yourself, and your passengers. If you finance your RV, your lender is going to require you to carry full insurance coverage for the life of the loan. Types of RV coverage may vary by insurance carrier. As you shop around for insurance coverage, look for a Recreational Vehicle Insurance policy that covers:

    • Bodily injury and property damage liability
    • Uninsured/underinsured motorist
    • Medical payments
    • Comprehensive and collision
    • Towing and roadside assistance
    • Replacement cost for personal items kept inside the RV and for the cost of your RV
    • Vacation liability to cover any injuries while your RV is parked at a temporary residence

    RV Insurance: Cost

    The cost of your policy will depend on the value and classification of your RV or motorhome. According to ClassicVans:

    Class A motorhomes are the largest class of RV available. They are also the most expensive to insure—the average insurance cost ranges from around $1,000 to $4,000 or more per year.

    Class C motorhomes are typically cheaper than class A’s, with an estimated cost of around $700 to $3,000 per year.

    Class B motorhomes will likely be the least expensive to insure, as they tend to be smaller and more similar to a full-sized van. The estimated cost for insurance on class B can range anywhere from $500 to $1,000 per year.

    We hope these summer travel tips help you stay safe while enjoying time outside this year. Wherever your travel plans take you, make sure your RV is well protected. Since recreational vehicles and campers come in all shapes and sizes, we will make sure you’re properly covered with the insurance that’s right for you.

    Get a quote for your RV or other recreational vehicle today!

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    Tyreo Harrison

    As Executive Vice President, Lending & Insurance Solutions, Ty Harrison leads teams of lending and insurance professionals that are dedicated to delivering value-added programs, services and technology tailored to address the needs of lenders, loan servicers, portfolio managers, mortgage brokers, insurance agents and insurance brokers.

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