Florida RV Insurance

Independent agents are available to help you find the best and most affordable coverage.

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Floridians love their recreational vehicles. That may explain why people in the Sunshine State spend more than $300 million a year on RV sales and services. If you are among this state’s recreational vehicle enthusiasts, you can protect your investment and your finances by purchasing RV insurance.

Local independent agents are available to help you find a competitively priced policy that meets all of your specific coverage needs. Find an insurance agent near you to get more information and to start comparing customized quotes.

What Is RV Insurance?

The term “recreational vehicle” refers to any motor vehicles or trailers that include living quarters. They usually include a sleeping area, a kitchenette, and a restroom facility.

Because you can drive and live in your recreational vehicle, RV insurance is a hybrid of auto insurance and home insurance. It can be customized to meet your specific coverage needs depending on what type of recreational vehicle you own and how you use it.

How Much Does RV Insurance Cost in Florida?

The cost of an RV insurance policy can range from a couple hundred dollars to several thousand dollars a year. Costs are calculated based on a number of factors such as:

The only way to find out how much an RV insurance policy will cost is to contact a few insurance companies and request customized quotes. Or, if you prefer, an independent agent can do this for you.

Is RV Insurance Required in Florida?

If your recreational vehicle is a non-motorized towable, like a travel trailer or a fifth wheel, it does not need its own insurance policy. Instead, its coverage will extend through the policy that covers the vehicle that is being used to tow it. This typically requires you to purchase a trailer endorsement.

However, if your RV is a self-propelled vehicle, like a camper van or motor home, it will be held to the same coverage requirements as your car or truck. In Florida, this means that your RV insurance policy must include the following:

RVs are larger and heavier than most vehicles on the road. This means that if you are responsible for a collision while driving one, you are likely to cause a lot of property damage and potentially serious injuries to others.

If the damage you cause goes beyond your property damage liability limits, or if the injuries you cause cost more than the injured party’s PIP insurance can cover, you can be left holding the bag for the overages. This can get very expensive very quickly.

That is why many RV owners in Florida opt to buy both personal injury liability coverage and bodily injury liability coverage in much higher amounts than the state requires.

If you want even more liability coverage than your RV insurance policy can provide, you can also purchase umbrella insurance. This is a very affordable way to significantly boost all of your liability coverage.

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What Else Can Florida RV Insurance Cover?

Not everyone uses their recreational vehicles in the same way. Some may only take theirs out once a year for a family vacation, some may enjoy spending their retirement years exploring the US on several different RV trips, and still others opt to live in their RVs full time.

You can therefore tailor your policy to meet your specific coverage needs. You can expect most insurance providers to offer several types of coverage including:

It is important to be aware of what all your various options are. That way, you can be certain that your policy includes all the coverage you need and that you are not paying for coverage that isn’t a good fit for you.

Where Can I Find the Best RV Insurance in Florida?

When you are shopping for the right RV insurance policy to meet your coverage and budgetary needs, a local independent insurance agent can help.  There are more than 1,500 independent agents with offices in Florida, so it should be easy to find an experienced agent close to home.

Discover the many benefits of having a local insurance professional on your side. Arrange an obligation-free consultation with an insurance agent near you to start comparing customized RV insurance quotes.

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Now, who's ready to get their insurance problems solved?

Or talk to an agent now at (855) 372-0071