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The RV Insurance Category

Recreational Vehicles (RVs) Insurance


RV includes motor homes, travel trailers, professional bus conversions, toter homes, toy haulers with living quarters, horse trailers with living quarters, fifth wheel trailers, folding camping trailers, truck mounted campers, utility and horse trailers (no sleeping quarters). Depending on the carrier, RVs intended for personal/recreational use for up to 250 days per year can be insured.



RV insurance can protect your motorhome, travel trailer, camper, and even your horse trailer. Let us help you select the right coverage for your RV needs and get a great price at the same time. Call us today at 479-321-3993 to get your free insurance quote.

Types of RVs in this Insurance Category

Motor Homes


The following types of motorhomes are available for coverage:

• Class A

• Class B

• Class C

• Professional Bus Conversion

• Toter Home


We consider motorhomes to be self-propelled vehicles with permanently attached living quarters and used for recreational purposes. Permanently attached living quarters include: cooking appliances, refrigerator, bathroom with internal plumbing, self-contained heating and/or cooling, 110-125 electric supply and self-contained drinking water supply.


Motorhomes are eligible for the following discounts: Passive Restraint and Anti-Theft Device.


Travel Trailers


The following types of Travel Trailers we can provide coverage for:

• Conventional Travel Trailer

• Fifth Wheel Travel Trailer

• Toy Hauler Trailer with living quarters

Horse Trailer with living quarters

• Folding Camping Trailer

• Truck Mounted Camper

• Horse Trailer without living quarters

• Utility Trailer


typically means a sleeping area and may contain a refrigeration unit, cooking area, water supply, internal plumbing quarter Our carriers consider travel trailers to be licensed vehicles towed behind street legal vehicles. The living quarters of trailers will vary depending on the type of trailer, but a living and waste containment, etc. Horse and Utility trailers without living quarters are for personal/recreational use only. Utility trailers may be used to transport collector vehicles.


Eligible travel trailers may qualify for the following discounts: Anti-Theft Device.

Things to consider with RV insurance

Here are some things to consider when shopping for recreational vehicle insurance:

  • RVs that are for personal, recreational use can be insured for up to 250 days per year.  If you are retired or just like to travel this gives you plenty of time.

  • While this coverage varies by state generally liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more

  • Depending on the carries you may have the option to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:

    • Stated Value - market value/actual cash value of the RV

    • Agreed Value – the insured amount, regardless of the current market value

    • Replacement Cost – we will replace your insured RV with a new RV that is most like it

  • Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.

  • Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected. 

  • Roadside Assistance, can cover you 24/7 in the event of a breakdown or accident. Options can include lodging, transportation and meal coverage if needed.  

  • Customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

  • Depending on the carrier additional coverage includes Accident forgiveness, pet coverage, diminishing deductible, and more.

  • Discounts can lower your premium. Ask us whether you qualify for safe driver discounts, original owner discounts, package discounts and more. 

  • If you bundle your coverage with a single company. Home and or Auto, etc. you can get additional discounts.


5006 SW Screech Owl Street

Bentonville, AR 72713



Tel: 479-321-3993

Cell: 479-644-9801


Monday - Friday 

8 am to 5 pm



By Appointment


Evenings by Appointment

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