An RV can be a fantastic investment in your lifestyle, but it’s also exposed to a wide range of risks, from accidents to extreme weather events. RV insurance provides an umbrella of protection for your vehicle, your personal possessions, and your financial security. Because so much depends on the policy you choose, below are answers to some common questions you might have about buying insurance.

Answering Your Questions About RV Insurance

How much insurance am I required to carry?

In Arkansas, every motorist is required to carry a minimum amount of liability insurance to protect other drivers. Your insurance policy should include $25,000 in liability protection per person, with at least $50,000 per accident. You’ll also need a minimum of $25,000 in property damage insurance to pay for repairs to another driver’s vehicle.

How much will I be using the RV?

Some insurance policies carry use restrictions that can affect your coverage costs. If you’ll only be taking your RV out on the weekends or a short trip a year, you might choose a policy that only covers a certain number of days per year. However, if you plan on living in the vehicle full-time, go for a policy that offers year-round coverage.

Does my insurance cover the contents of my RV?

RVs are designed to be homes-on-wheels, so they usually hold more valuable items than other vehicles. Along with the vehicle itself, your RV insurance policy should protect your valuables, appliances, and other onboard equipment. You may need to purchase additional riders to cover sun shades or other expensive modifications you’ve made.

Will my policy reimburse me if my RV breaks down?

Insurance companies understand that you’ll likely be far from home if your RV needs repairs. Enhanced roadside assistance will pay for towing your vehicle to a repair yard and reimburse you for hotel costs until you can get back on the road. Adding this coverage to your RV insurance can save hundreds of dollars and keep one mishap from ruining your trip.

Buying an RV opens the door to a world of adventure, and Phil Taylor Insurance Agency Inc. is committed to making your trips as easy and stress-free as possible. As an independent broker, they offer RV insurance to motorists throughout the Clarksville, AR, area, offering exceptional service and the best rates available. Visit their website or call (479) 754-2616 to request your free RV insurance quote today.