With 600,000 acres of lakes and 9,700 miles of rivers and streams, Arkansas is called "The Natural State" for good reason. From state and federal to private campgrounds, Arkansas offers something for all RV enthusiasts. Prior to heading out to the park, however, it's important to find an RV insurance policy to protect your mobile vacation.
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RV Facts and Statistics
According to the Recreation Vehicle Industry Association:
- Approximately 8.9 million households own an RV
- Today's typical RV owner is 48 years old, married, with an annual household income of $62,000
Prices for new RVs are typically:
- $5,000-$22,000 for folding camping trailers
- $6,000-$55,000 for truck campers
- $8,000-$95,000 for conventional travel trailers
- $43,000-$200,000 for Type C motorhomes
- $60,000-$500,000 for Type A motorhomes
Why Is RV Insurance Important?
Even a small camping trailer is a considerable investment for most Arkansas households. Not only should RV owners protect their vehicles with an insurance policy, but they should also protect themselves from being subject to a lawsuit following an accident or injury.
An RV insurance policy can help you make swift repairs to your damaged RV so it's back in top-vacationing form. This vital coverage can also help pay your legal fees and court costs should you find yourself facing a lawsuit and are found negligible in causing another person injury or damage.
Am I Required to Carry RV Insurance in Arkansas?
If your RV is driven, rather than towed behind your vehicle, Arkansas state law requires you to carry minimum liability insurance on it. State statutes require RV owners to carry the following minimums in liability coverage:
- $25,000 per injury
- $50,000 per accident
- $20,000 per property damage
Remember, these are the minimum standards and you may want to consider purchasing additional coverage more appropriate for your particular RV.
No matter what type of recreational vehicle you own, it is strongly recommended to carry insurance on it.
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Can I Find Insurance for My Particular RV in AR?
Whether you drive or tow your RV, Arkansas requires you to register the vehicle with the state. If you are required to pay the registration fee, chances are that insurance providers have a policy for you. The most common types of RVs include:
- Type A motorhomes are generally the largest
- Type B motorhomes or van campers are the smallest
- Type C motorhomes generally fall in between
Types of towable RVs include:
- Folding camping trailers
- Expandable trailers
- Truck campers
- Conventional travel trailers
- Fifth-wheel travel trailers
- Sports utility RVs (also sometimes called "toy haulers"), feature a built-in garage for hauling cycles, ATVs, or sports equipment, and are available in both motorhomes and towable RVs
What Does RV Insurance Cover?
RV insurance for driven vehicles operates much like car insurance. Most Arkansas insurance providers offer the following types of RV coverage options:
- Liability coverage: This can help pay for injuries and damage that you may cause another person.
- Collision coverage: This can help pay for repairs to your RV should you be involved in an accident.
- Comprehensive coverage: This can help pay for repairs to or replacement of your RV, should it be damaged or totaled by fire, severe weather, theft, or vandalism.
The other options available to you as you build your RV insurance policy are more unique to recreational vehicles, and include:
- Campsite and vacation coverage: This can help protect you when your RV is stationary at a park or campground.
- Full-timers coverage: This policy option is suitable for those who use their RV as a full-time residence. It operates more like homeowners insurance rather than car insurance.
It is a good idea to speak with a qualified insurance agent to determine what coverage options are best for you and your RV.
What Will My RV Insurance Quote Look Like?
Because there are so many types, sizes, and values of RVs, it is difficult to estimate an average RV insurance policy quote. Most Arkansas insurance providers use several factors in calculating your quote, including:
- Your RV type: Class A RVs will see the highest quotes, followed by Class C, while Class B RVs generally find the lowest quotes.
- How often you use it: A full-timers RV insurance policy will find significantly higher quotes than someone who uses it a few times a year.
- Your driving history: If you have a record of accidents or past claims, your quotes will be higher than someone with a blemish-free driving history.
- The coverage options you choose: The limits you set on your policy, as well as the deductible amounts, will also impact your quote.
As an example, a Class A RV may find quotes around $2,000 per year or more to insure, while a Class B may fall somewhere between $1,000 to $2,000.
Where Can I Find RV Insurance Quotes in AR?
The last thing you want to worry about on your next Arkansas vacation is whether or not you can afford an accident or breakdown. A comprehensive RV insurance policy can give you the peace of mind you need for a stress-free vacation.
Knowledgeable, independent insurance agents in the TrustedChoice.com network are always available to answer your questions, suggest coverage options best for your RV, and even assist you in filing a claim. These agents have years of experience working with Arkansas insurance companies, enabling them to find you a number of quotes with the best coverage options at the most affordable rates. Talk with a local independent agent to find out how you can obtain an RV insurance policy that meets your needs and budget.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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