If you own an RV vehicle, you should be aware of your options when it comes to RV insurance coverage. At Adams Insurance & Financial of Arkansas, we can provide a wide range of RV policies to suit your unique situation. If you are in the process of purchasing an RV and haven’t thought about insurance yet, you probably have some questions: Let’s take a look at what you should know.
Yes and no. RV insurance includes aspects of auto insurance like comprehensive and accident coverage, but it’s designed to expand beyond what auto insurance can offer into other types of coverage that may benefit RV users.
In Arkansas, if you are driving an RV vehicle then the same requirements apply to your RV as to your car or truck: Specifically, you are required to have at least $25,000 for bodily injury per individual, $50,000 for total bodily injury, and $25,000 for property damage. This is a common law from state to state, although amounts can vary.
If you are using an RV that is towed instead of driven, your current auto insurance may already apply. But since there are so many different RV types, from converted buses to smaller coaches and trailers, it can sometimes be difficult to tell what insurance you need. Talk to an insurance agent about the details to get the right recommendations.
In addition to the core auto insurance policy, you have the option to add many additional types of coverage that are specifically made for RVs. For those who live in their RVs, there are options to include homeowner-like insurance. If you do a lot of camping, there is specific camping insurance to help protect your liability. Vacation insurance, special roadside emergency insurance, and other options can also be easily added to expand the coverage.
If you need to customize an RV insurance package, then Adams Insurance & Financial can help! We service customers throughout the Fayetteville, AR area and are happy to answer any questions you may have. Contact us today to learn more.