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Mountain Home, AR 72653

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Which types of vehicles are covered by RV insurance?

Determining which vehicles are covered by RV insurance may seem difficult; the answer is more straightforward than it first appears. Of course, the Affordable Insurance Inc. team serving the Mountain Home, AR area can answer all your questions and ensure you have the RV coverage you need.

RV Types and Insurance

RV insurance covers four RV types that can overlap in their appointments.

Class A RVs are top-of-the-line models that are up to 45 feet long. Built on a commercial truck or bus chassis, they are often viewed as a house on wheels, sleeping up to 8 people. A typical Class A RV has a full kitchen, bathroom with showers, washer and dryer, full-screen TV, and many other amenities. 

Class B RVs are built on full-size van frames and resemble delivery vans. Standard outfitting includes a galley with a burner, a small refrigerator, a bathroom, and living and sleeping space for 1 or 2 people.

Class C RVs fall between Classes A and B in length and weight and are built on a small truck or cutaway chassis. They often have sleeping space overhanging the cab, while their amenities range from near-luxury to modest.

Towable RV, or fifth-wheel camper, is pulled by trucks with a fifth-wheel attachment and substantial towing capacity. Towable RVs can be as large and luxurious as many Class A RVs. Unlike the other RVs, the towable’s insurance covers only the RV. The truck’s insurance covers the liability and other insurance needs.

We Are Here To Help

Our team at Affordable Insurance Inc., serving Mountain Home, AR will help you address your RV or other insurance needs. So, give us a call or stop in today to ensure you and your RV have the right coverage.

3 Misconceptions about RV Insurance

When it comes to RV insurance, many consumers need to be made aware of how different it is from auto insurance. Our team at Affordable Insurance Inc serving the Mountain Home, AR area wants to help you make an informed decision when choosing the right policy for your recreational vehicle.

Here is a list of the three common misconceptions about RV insurance:

Misconception #1: RV Insurance is Just Like Auto Insurance

Many people mistakenly believe their auto insurance will cover them if they get into a motorhome accident or suffer property damage. However, this isn’t the case. Most auto policies provide limited coverage for RVs and exclude several damages, such as watercraft liability or vacation medical payments for injuries sustained while camping in an RV. If you have a recreational vehicle, obtaining an RV insurance policy that provides the right type and amount of protection is essential.

Misconception #2: RV Insurance is Unnecessary

Without proper RV coverage, you could be on the hook for costly repairs or medical bills if anything were to happen while using your RV. Additionally, many lenders require comprehensive coverage before they allow buyers to finance a recreational vehicle purchase.

Misconception #3: All RV Insurance Policies are the Same

While it’s true that most basic policies for the Mountain Home, AR area offer similar types of coverage, such as liability and collision protection, there are other important factors to consider when choosing an RV policy. For example, some policies may include additional benefits such as roadside assistance and vacation medical payments. It’s essential to read each policy’s fine print to ensure you’re getting the coverage that suits your individual needs.

Reach Out To Us!

At Affordable Insurance Inc, we understand that not all RV insurance policies are created equal. That’s why our knowledgeable agents will help you select an RV insurance policy that is tailored to your unique needs. Contact us today for more information about how we can help you keep your recreational vehicle protected!

How to Avoid the Most Common RV Accidents

RV accidents are more common than you might think. There are nearly 11,000 RV accidents in the United States every year. And while most of these accidents are minor, some can be severe—even fatal. If you own an RV, Affordable Insurance Inc. in Mountain Home, AR can help you get insurance coverage and related advice. 

Here are some tips for avoiding common RV accidents:

Exhaustion

When driving an RV, exhaustion can be hazardous as it can lead to drowsy driving. Drowsy driving can cause you to fall asleep at the wheel. When driving an RV, it is essential to be alert and rested to react quickly to any potential hazards on the road. If you are feeling exhausted, pull over and take a break. You should take a break every one to two hours and try not to exceed driving for more than eight hours in a day.

High Winds

High winds are dangerous for RV drivers because they can cause the RV to tip over. High winds can also cause tree limbs and other debris to fall, damaging the RV or injuring people inside. It is best to be aware of weather conditions and refrain from driving during high or gusting winds.

Overloaded and Uneven Loads

Overloaded and uneven loads are nasty for RV drivers because they can cause the RV to lose control, tip over, or even jackknife. This is especially true if the load is not evenly distributed across the axles. Never load your RV past its limits, and ensure the weight of cargo and people is evenly distributed while traveling.

Get RV Insurance Today

Affordable Insurance Inc in Mountain Home, AR can help you get the coverage you need for your RV and everything else you value. Contact us today to learn more.

How Does RV Insurance Work?

Recreational vehicles are a great way to travel, and they can serve as your home away from home. Recreational vehicle insurance is a unique type that covers both the home part of the vehicle and the truck part. If your RV doesn’t yet have RV insurance, give us a call at Affordable Insurance Inc in Mountain Home, AR to find out more.

RV Classes

The RV policy that you get has a lot to do with which class of RV you own. Each RV belongs in one of three classes based on its size and design. Class A is the largest of these classes with RVs included that can be up to 75 feet long. These are usually converted buses and motor coaches of the type often used for group travel. Class B RVs are among the smallest of these vehicles. The design with these does not have an area over the cab. These RVs tend to be travel trailers, campers, etc. RVs in class C are vehicles that are created by using a cargo van and blending it with a camper section that extends over the cab. Before you get an RV policy, tell your insurance agent which class your RV is in. 

Full-Time and Part-Time Insurance

Your RV insurance policy is also decided by how often you use it. There are RV policies for those who live in their RV full time as well as those who use their RV regularly or occasionally. Full-timer insurance is generally more expensive since the RV will constantly be in use. The age of the vehicle and its make also factor into your policy and its price. 

Get RV Insurance

Your RV should always be covered by RV insurance, so don’t let a day go by without it. Contact us at Affordable Insurance Inc in Mountain Home, AR.