Arkansas RV Insurance

Experts break down recreational vehicle insurance costs, coverages, companies, and more.

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.

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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 independent 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 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.

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.

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.

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.

https://www.titlemax.com/discovery-center/planes-trains-and-automobiles/which-u-s-states-spend-the-most-on-rvs-per-capita/ https://insurance.arkansas.gov/uploads/pages/brochures/auto.pdf https://insurance.arkansas.gov/pages/consumer-services/consumer-services/consumers-faq/

Now, who's ready to get their insurance problems solved?

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