Many Arkansas residents have discovered the joys of traveling and camping in a recreational vehicle. RVs let you get away from it all while still enjoying many of the creature comforts of home. This may explain why people in this state spend more than $32 million on RV sales and service a year.
Whether you are using your recreational vehicle to camp in one of Arkansas’ scenic locations like Hot Springs National Park or you are using it to tour the country, you can protect your investment and your finances by purchasing RV insurance.
Local independent agents can work with some of the best RV insurance companies in Arkansas to help you find a policy that meets all of your coverage needs at a very competitive price. Find an insurance agent near you to start comparing customized quotes.
What Is RV Insurance?
A recreational vehicle is a motor vehicle or trailer that provides living quarters. They will typically include a sleeping area, a kitchenette, and often, even a bathroom.
Because recreational vehicles serve a dual purpose as a home and a vehicle, they need the specialized insurance coverage that only an RV insurance policy can provide.
Your policy can be customized to meet your specific coverage needs depending on what type of recreational vehicle you own and how you use it.
How Much Does RV Insurance Cost in Arkansas?
The cost of an RV insurance policy can range from a few hundred dollars a year to thousands of dollars a year, depending on the following factors.
- The type and class of the RV you are insuring
- The value of any personal property you have in the RVs living quarters
- The estimated number of miles you plan to drive the vehicle each year
- The estimated amount of time you plan to spend living in the vehicle each year
- Your driving record, claims history, and credit score
- Which, if any, coverage options you are including in your policy
The only way to find out how much it will cost to insure your RV is by contacting a few competing insurance companies and asking for customized quotes. Or, if you prefer, an independent insurance agent can do this for you.
Is RV Insurance Required in Arkansas?
If your RV is a non-motorized towable, like travel trailer, fifth wheel, or pop-up camper, you are not required by law to carry an RV insurance policy on it, but you can if you want to.
In the absence of an RV insurance policy, you can cover your camping trailer by adding a rider to the insurance policy of the vehicle that will be towing it.
On the other hand, if your recreational vehicle is self-propelled, like a class A motorhome or a camper van, it will be held to the same minimum coverage requirements as your car or truck. In Arkansas, this means that your RV insurance policy must include the following.
- RV liability coverage: This covers injuries and property damage you may cause to others if you are at fault for a collision while driving your RV. Your policy must include the following.
- Bodily injury liability insurance of at least 25,000 per person / $50,000 per incident
- Personal property liability insurance: $25,000 per incident
This state also requires insurance companies to offer you the following types of coverage. However, you are permitted to opt out of each of them provided you do so in writing.
- Uninsured / underinsured motorist insurance: This can cover your property damage and injuries if an uninsured or underinsured driver is responsible for a collision with your RV. Your insurance provider is required to offer:
- Uninsured / underinsured motorist bodily injury coverage of at least $25,000 per person / $50,000 per incident
- Uninsured motorist property damage coverage at least $25,000 with a $200 deductible
- Personal injury protection insurance (PIP): This can cover medical bills and lost wages for you and your passengers if you are injured in a collision, regardless of fault. You must be offered the following types of PIP coverage:
- Medical benefits of at least $5,000
- Lost earnings reimbursement of at least $140 a week
- Accidental death benefits of at least $5,000 per person
Keep in mind that because RVs are larger and heavier than most vehicles on the road, if you are responsible for a collision while driving one, you are likely to cause a lot of property damage and potentially serious injuries to others.
Because of this, many RV owners in Arkansas opt to purchase liability insurance in much higher amounts than the state requires. Supplementing with umbrella insurance enables you to purchase even more liability coverage than your policy can provide.
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What Else Can Arkansas RV Insurance Cover?
In addition to the mandatory coverage mentioned above, RV insurance companies will offer a variety of coverage options. This lets you customize your policy according to how you use your recreational vehicle.
Coverage options you may be offered include the following.
- Personal liability coverage: If you live in your RV full-time you will not have the protections typically offered by conventional homeowners or renters insurance policies. This insurance will ensure that you have the liability coverage you need if you unintentionally cause harm to others.
- Vacation liability coverage: If you use your RV for vacation trips to various campgrounds, you will have liability coverage through your home or renters insurance policy, but it may be limited. Vacation liability coverage can provide you with additional liability protection if you are unintentionally responsible for property damage or injuries while staying at an RV park.
- Contents coverage: This is a good idea if you have a significant amount of valuable personal property in your RV. It can pay to repair or replace your belongings if they are lost or damaged by a covered event like a fire, tornado, or property crime.
- Collision and comprehensive coverage: These are designed to cover damage done to your RV. If you have financed your recreational vehicle and are still making payments on it, your lender will likely require you to carry collision and comprehensive coverage.
- Collision coverage: This can cover the cost to repair or replace your RV if it is damaged in a collision, even if you were the driver at fault.
- Comprehensive coverage: This can cover the cost to repair or replace your RV if it is lost or damaged in a non-collision event like a tornado or flood.
- Towing and roadside assistance: Most RVs are rather large and therefore require specialized towing if they become disabled while you’re out on the road. By adding this optional coverage to your RV insurance policy, you can rest assured that a roadside service call will not set you back financially.
Some of these coverage options may be required by campgrounds before you park your RV there so be sure to check in advance to make sure your policy is compliant with the requirements at your destination.
Where Can I Find the Best RV Insurance in Arkansas?
When you are in the market for a reliable RV insurance policy that meets your coverage and budgetary needs, you can benefit from talking to a local independent insurance agent. These agents can offer guidance and advice and can shop around to find you a good policy at a competitive price.
Discover the many advantages of having a local insurance professional on your side. Arrange an obligation-free consultation with an insurance agent near you to start comparing customized RV insurance quotes.
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