One of the biggest investments you will probably ever make is an RV. You must purchase an RV insurance policy to protect your investment. Here at Harvill and Associates Insurance Agency in Arkansas, we understand all of the many different insurance angles. We have many coverage options that will fit your specific needs. Do not wait to get protection. Whether your RV is parked most of the time or if you travel with it on the road often, you can benefit from having insurance either way.
RV Insurance Requirements
Different states vary on insurance requirements for RVs. Arkansas law states that you need to purchase at least minimum liability insurance if you own a drivable RV. Also, if you have an RV financed through a lender, that lender may require you to obtain insurance coverage. The bank should be able to inform you of those minimum requirements.
You will not be required to obtain a separate insurance policy if your RV is towed instead of driven. This is because your auto insurance policy should extend to your RV. It is wise to check first to ensure that not all auto insurance policies have this extension option.
RV Insurance Coverage
Comprehensive coverage protects against losses resulting from:
- Wind or hail damage
- Wild or stray animal damage
- Burst pipe damage
- Snow or ice weight collapses
Liability policies cover:
- Medical bills and lost wages
- Pain and suffering
- Property damage
You can also choose from:
- Campsite and vacation coverage - This will keep you protected from any loss or damages while your RV is parked.
- Full-timer coverage - This coverage option is similar to homeowner's insurance and is necessary if you park your RV at your residence full time.
For all quotes, please contact our Harvill and Associates Insurance Agency office today. We serve all residents in Arkansas.