Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
They call it the Natural State for a reason, and most of what people enjoy here rides on a trailer. Harvey Insurance covers Arkansas boats, campers, side-by-sides, motorcycles, and collector cars on policies designed for them rather than borrowed from somewhere else.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Arkansas households tend to accumulate recreational equipment quietly — a jon boat, then a bigger one, a side-by-side for the deer lease, a camper, eventually something in the garage worth restoring. Each addition is assumed to be handled somewhere on the existing policies, and mostly it is not. Home insurance offers a small allowance for watercraft and no off-premises liability. Auto insurance does not recognize motorcycles, motorhomes, or UTVs as covered vehicles at all. The result is a garage and a driveway holding real value that would be settled at pennies after a fire, a theft, or a hailstorm, with no liability protection whatsoever for the injuries these things are actually capable of causing.
Get a Free Specialty QuoteEach of these is its own policy form for a reason.
Three things shape recreational claims in this state more than anything else.
Between Beaver, Ouachita, Greers Ferry, Bull Shoals, and the rivers feeding them, Arkansas boating happens on varied water with real hazards. On-water liability is not something a home policy provides.
The Ozarks and Ouachitas draw riders to places like Wolf Pen Gap and the national forest trail systems, where rollover and passenger-injury exposure is genuinely higher than on flat ground.
Arkansas storm seasons drop hail and hardwood limbs on whatever is parked outside. Comprehensive coverage on each specialty policy is what pays for that.
The mistakes in specialty coverage are predictable and avoidable.
A boat or UTV trailer is separate property and is routinely left off the policy entirely. We schedule it deliberately.
A side-by-side carrying passengers on a mountain trail is a serious liability exposure. We do not treat it as an afterthought to a physical-damage policy.
We keep off-season coverage intact so a winter fire or a spring hailstorm does not land on an uninsured asset.
FAQ
Specialty Insurance is not the only thing we write in Arkansas. Most households end up combining a few of these, which is usually where the savings turn up.
Tell us what is in the garage, on the trailer, and at the lake. We will quote the right policy for each.
Get a Free Specialty QuoteCoverage Areas
We write specialty coverage across Arkansas — the Northwest Arkansas corridor and Beaver Lake, the Ozarks and the Buffalo River country, Greers Ferry and the central lakes, Hot Springs and Lake Ouachita, the Ouachita National Forest trail country, and the Delta and river valley to the east.