One policy. Five different sets of rules.
The motorcycle, the camper, the travel trailer, the side-by-side, and the boat all ride on one Acuity package — which is the convenient part. The part worth reading is that Arkansas treats each of them completely differently, and what the state requires of a personal watercraft has nothing to do with what it requires of a four-wheeler. These lines are written with the auto and home package rather than sold on their own.
The short answer
Acuity writes motorcycle, RV and motorhome, travel trailer, ATV and UTV, and boat and watercraft coverage under one package — available when your auto and home are written together, not sold standalone. Arkansas rules differ sharply by machine: a motorboat over fifty horsepower or any personal watercraft must carry at least $50,000 of liability per occurrence under Ark. Code Ann. § 27-101-207, while a motorcycle falls under the ordinary 25/50/25 auto minimum. Your homeowners policy was never going to cover any of it in a way you would want to rely on.
The homeowners policy is not quietly covering this.
It's the most common assumption we correct, and the reasoning behind it is understandable — the thing is parked at the house, so it feels like part of the house.
Recreational vehicles sit under internal sublimits on a homeowners form — amounts never designed to pay a real loss on a machine that leaves the property under its own power.
But the property side isn't the real problem. Homeowners liability generally doesn't follow a boat onto the water or a side-by-side onto a trail. The coverage that matters most when somebody gets hurt is precisely the coverage that isn't there.
What Arkansas actually requires, by machine.
This is why one policy is convenient and one set of assumptions is dangerous. The differences below are statutory, not carrier preferences.
Motorcycle
A motor vehicle in the eyes of the law, so the ordinary 25/50/25 liability minimum applies. Separately, helmets are required for riders and passengers under twenty-one and eye protection is required under § 27-20-104, and passengers younger than eight are barred from public roads under § 27-20-118 except in a parade.
Boat & personal watercraft
The one with a hard statutory requirement — and a threshold people miss. A motorboat of more than fifty horsepower, or any personal watercraft, must carry liability of at least $50,000 per occurrence. A boat at or under fifty horsepower that isn't a PWC falls outside the mandate, so "all boats must be insured in Arkansas" isn't accurate.
RV & motorhome
It drives itself, so it carries liability like any motor vehicle — and then it stops and becomes somewhere you sleep. That dual character is the whole coverage question: contents, attached equipment, and liability while parked are things a car policy never contemplated and a home policy doesn't reach.
Travel trailer
The distinction that catches people out. A towable has no motor, so liability while towing generally extends from the vehicle pulling it. What doesn't extend is coverage for the trailer itself or its contents — which is why a towable still needs its own physical damage coverage even though nobody is required to insure it to tow it.
ATV & UTV
Side-by-sides and four-wheelers are where the homeowners sublimit problem bites hardest, because they're expensive, they're used off the property, and they carry passengers. The coverage question is liability and physical damage on a dedicated form. Where you may legally ride is a separate question that depends on the land and the authority managing it — ask us and we'll point you at the right source rather than guess.
And the umbrella
Each of these can be a qualifying underlying policy for a personal umbrella — but only if it's scheduled and its own liability limit meets the attachment point. A machine insured somewhere else on a minimum limit sits outside the structure entirely. How the umbrella attaches.
Two more things about the boat rule worth knowing, because they change the stakes. If a covered craft is in an accident and proof of insurance can't be presented, the law creates a rebuttable presumption that it was uninsured — and operating uninsured in that situation is a Class A misdemeanor. Government-owned craft are exempt from the requirement entirely. This is general information about Arkansas law, not legal advice.
All of it rides on the auto and home package.
Said plainly and early, because it changes what you should be asking.
None of these lines is sold on its own. Acuity writes them under a package policy available when your auto and home are written together with Acuity. So the useful question isn't whether Acuity will insure your boat — it's whether Acuity is the right home for the whole household. If it isn't, that's genuinely fine: we represent carriers that write watercraft, motorcycles, and recreational vehicles standalone, and we'll place it there without any fuss.
Where the package genuinely earns it: one renewal date for the whole garage. Households don't buy a boat, a camper, and a side-by-side on the same afternoon — they accumulate over years, each one insured wherever was convenient at the time, each with its own anniversary. That's how a machine ends up uninsured for a season without anyone noticing, and how the umbrella above them quietly stops matching what's underneath. One policy means one moment each year when somebody looks at all of it at once.
The edges on recreational coverage.
Wear, and the trailer it sat on
Mechanical breakdown, corrosion, and deterioration are maintenance rather than sudden accidental loss. A utility or boat trailer is also frequently a separate item that needs listing rather than something that comes along automatically.
Racing and competition
Organized racing, timed events, and competitive use are commonly excluded across recreational forms. If anyone in the household competes on anything, say so — it's a coverage question, not a formality.
Renting it out
Lending a machine to a friend is one thing; renting it for money is a commercial use that a personal recreational policy generally won't reach. The same applies to a camper listed on a rental platform.
Anything not on the schedule
The most common gap of all. A machine bought last season that never got added isn't covered because the policy has no idea it exists — and it won't be an underlying policy for the umbrella either.
Too varied for a published range.
Five different machine types with five different risk profiles don't produce a meaningful average, so we don't print one. What drives yours: the type, age, and value of each item, horsepower or engine size, how and where it's stored, the drivers and operators in the household, the liability limits and deductibles selected, whether anything is financed, and how the recreational pieces sit relative to the auto and home package. This is a description of how the coverage is rated, not a quote and not a guarantee. Send a list of what you own — year, make, model, and hull or vehicle identification number — and we'll build the real figure with you across our markets.
What the package is built on.
Acuity recreational coverage questions.
Can I insure just my boat or ATV with Acuity?
Not on its own. Every recreational line Acuity writes — motorcycle, RV and motorhome, travel trailer, ATV and UTV, and boat and watercraft — is part of a package policy available when your auto and home are written together with Acuity. None of them is sold standalone.
It is worth knowing before you go looking, because it changes the question from whether Acuity will insure your boat to whether Acuity is the right home for the whole household. If the package fits, everything sits on one policy with one renewal date. If it does not, we represent other carriers that write watercraft, motorcycles, and recreational vehicles on their own, and we will simply place it there instead.
Isn't my boat or four-wheeler already covered by my homeowners policy?
Not in any way you would want to rely on. A homeowners policy covers personal property, and recreational vehicles sit under internal sublimits that were never designed to pay a real loss on a machine that leaves the property under its own power.
More importantly, the liability side is the problem. Homeowners liability generally does not follow a boat onto the water or a side-by-side onto a trail, which means the coverage that matters most when someone is injured is the coverage that is missing. Sublimits and exclusions vary by form, so the terms of your own policy govern, but the general answer is that a machine with a motor or a hull needs its own coverage.
Is boat insurance required in Arkansas?
For some boats, yes. Under Ark. Code Ann. § 27-101-207 it is unlawful for the owner of a motorboat of more than fifty horsepower, or of any personal watercraft, to allow it to be operated without a liability policy providing at least fifty thousand dollars of coverage per occurrence. Government-owned craft are exempt.
Note the threshold carefully: a boat of fifty horsepower or less that is not a personal watercraft falls outside the mandate, so it is not accurate to say every boat in Arkansas must be insured. Where the requirement does apply, being in an accident without proof of insurance creates a rebuttable presumption that the craft was uninsured, and operating uninsured in that situation is a Class A misdemeanor. This is general information, not legal advice.
What does Arkansas require of motorcycle riders?
A motorcycle is a motor vehicle, so the same liability minimum applies as to a car: 25/50/25 under Ark. Code Ann. § 27-22-104.
Beyond insurance, Ark. Code Ann. § 27-20-104 requires protective headgear for riders and passengers under twenty-one and requires eye protection, and Ark. Code Ann. § 27-20-118 bars passengers younger than eight from riding on public roads except in a parade. Those are equipment and operating rules rather than coverage rules, but they matter to a claim, because compliance tends to be examined closely when injuries are involved. This is general information, not legal advice.
Is a travel trailer insured the same way as a motorhome?
No, and this is the distinction that catches people out most often. A motorhome drives itself, so it needs its own liability coverage the way any motor vehicle does, and it also functions as a dwelling when parked, which brings in contents and liability questions a car policy never contemplates.
A travel trailer has no motor and is towed, so liability while it is being towed generally extends from the vehicle pulling it. What does not extend is coverage for the trailer itself or what is inside it, which is why a towable still needs its own physical damage coverage. Terms vary by policy, so the form actually issued governs.
Does my umbrella cover the boat and the side-by-side?
It can, but only if they are scheduled and only if their own liability limits meet the attachment point the umbrella requires, exactly as your auto and home policies must.
This is where a household that accumulated recreational vehicles over several summers tends to find a problem. The camper bought two years ago that never got added, or the four-wheeler insured somewhere else on a minimum limit, sits outside the structure entirely. The umbrella does not stretch to reach it. Tell us everything with a motor or a hull, including the one nobody mentioned, and we will make the schedule match reality.
How do I get recreational coverage quoted in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066, and tell us about the whole household rather than the one machine you called about, since these lines ride on the auto and home package.
A list helps: year, make, model, and hull or vehicle identification number for each item, where each one is stored, and whether anything is financed, because a lender will require physical damage coverage. We quote Acuity against 40-plus other carriers, and if the package does not fit, we place the recreational pieces with a carrier that writes them standalone.
If our coverage explainers are useful, mark Cribb Insurance as a preferred source so more Northwest Arkansas households can find our local, plain-English guides.
Send us the whole list, including the one you forgot.
Year, make, model, and hull or vehicle identification number for everything with a motor or a hull. We'll tell you which ones Arkansas actually requires coverage on, which ones your umbrella can sit above, and whether the Acuity package is the right home for it — or whether a standalone carrier fits you better.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas, Oklahoma, Missouri, and Texas. We are not Acuity, and this page is not endorsed, sponsored, reviewed, or approved by Acuity. "Acuity" is a trademark or service mark of ACUITY, A Mutual Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Acuity's Arkansas policies are issued by Acuity-affiliated underwriting companies.
This page describes motorcycle, recreational vehicle, travel trailer, all-terrain and utility vehicle, and watercraft coverage in general, industry-standard terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Liability, physical damage, scheduled items, trailers, contents, limits, deductibles, endorsements, and exclusions are set by the carrier, vary by state and by policy and over time, are subject to the carrier's underwriting approval and eligibility, and apply only as written in the policy actually issued to you. Coverage for any particular machine depends on it being disclosed to and accepted by the carrier.
Program structure described on this page — including that Acuity's personal umbrella, motorcycle, RV and motorhome, travel trailer, ATV and UTV, boat and watercraft, and landlord coverages are written under a package policy available when auto and home are written together — reflects the carrier's program as described to this agency, is subject to the carrier's rules, eligibility, and underwriting approval, may vary by state and by policy and over time, and is subject to change without notice.
References to Arkansas law — including the watercraft liability insurance requirement and penalties under Ark. Code Ann. § 27-101-207, the 25/50/25 motor vehicle liability minimum under § 27-22-104, and the motorcycle equipment, protective headgear, eye protection, and passenger provisions of § 27-20-104 and § 27-20-118 — are general information, not legal advice, are simplified summaries rather than complete statements of the law, and are subject to change. Statements about statutory requirements describe the law as it applies generally and not to your specific machine or circumstances. Where a machine may lawfully be operated depends on the land, the waterway, and the authority managing it, and is outside the scope of this page. Confirm specifics with the Arkansas Insurance Department, the Arkansas Game and Fish Commission, or a qualified professional.
Last reviewed August 2026.