What Is RV insurance?
RV insurance is designed to protect recreational vehicles, including motorhomes, camper vans, and bus conversions. There are different classes of vehicles that affect insurance options. Class A will include vehicles up to 75 feet long. Class B is the smallest class of vehicles and includes travel trailers and camper vans. Class C includes fifth wheel vehicles.
RV insurance is required in Arkansas to be able to drive your RV on state roads. Liability coverage is required, but both comprehensive and collision coverage are optional.
Why Is RV Insurance Important?
RV insurance not only protects your investment and your belongings in the RV, but the liability coverage it offers is also critical. Since RVs are very large vehicles, they can cause significant damage and major injuries, which can lead to a lawsuit. Also, it can be expensive to replace your RV if it is totaled in an accident.
Determining how much RV coverage you need will depend on many factors. The class of RV you own will play a factor, as well as where you are traveling in Arkansas and if you are moving across state borders. If you are living in your RV full time, you will want some extra protection. If you have custom features on your RV, this will lead to higher repair costs.
What Does RV Insurance Cover?
RV insurance covers similar situations as auto insurance and will include liability, collision, and comprehensive coverage. Since RVs tend to have personal belongings in them, you can get coverage for these items and any equipment attached to the vehicle, such as awnings. There are different options to consider with your agent at Matthew Yancey Insurance & Real Estate, Inc. in Van Buren, AR. You can get total loss replacement coverage, campsite and vacation coverage, towing and roadside coverage, uninsured and underinsured motorist coverage, and emergency expense coverage. If you are using your RV as a full-time residence, there is also full timer coverage.
Contact Matthew Yancey Insurance & Real Estate, Inc., serving Van Buren, AR, to get a quote on RV insurance.