Florida is one of the most popular states in the country for RV enthusiasts — and it’s easy to understand why. With its scenic coastal roadways and abundance of state parks and campgrounds, it’s a paradise for those who love to travel on four wheels. But whether you’re a full-time RVer or a weekend adventurer, having the right RV insurance in Florida is essential for protecting your investment and ensuring peace of mind on the road. This article will explore the different insurance options available for recreational vehicles in the Sunshine State and what you should consider when choosing the best coverage for your needs.
What Counts as an RV?
In Florida, recreational vehicles can include:
- Class A, B, and C motorhomes
- Travel trailers and fifth wheels
- Camper vans
- Pop-up campers
- Truck campers
While all of these qualify as recreational vehicles (RVs), the insurance options available may vary depending on whether your vehicle is motorized (like a motorhome) or towed (like a travel trailer).
Required Insurance for Recreational Vehicles in Florida
If your RV is motorized, Florida law requires you to carry minimum liability insurance, just like with a car. This includes $10,000 for property damage liability (PDL) and $10,000 for personal injury protection (PIP).
Towed RVs, like travel trailers or fifth wheels, don’t require separate liability coverage since they are covered under the towing vehicle’s policy. However, they are not covered for physical damage, so comprehensive coverage is strongly recommended.
Optional Insurance Coverage for RVs
To fully protect your RV – especially one with high value or custom features – it’s wise to consider additional types of coverage:
- Comprehensive and Collision Coverage: Comprehensive coverage protects against damage from theft, fire, vandalism, weather, and falling objects. Collision coverage covers repairs if your RV is damaged in an accident, regardless of fault. These coverages are essential for protecting the physical value of your RV.
- Vacation Liability: This is especially useful for stationary RVs at campsites or RV parks. It protects liability if someone is injured around your RV while parked and using it as a temporary residence.
- Full-Time RV Insurance: If your RV is your primary residence, standard RV insurance may not be enough. Full-timer’s coverage is more like a homeowner’s policy, offering additional liability, medical payments, and coverage for belongings inside recreational vehicles.
- Personal Effects Coverage: This policy covers the cost of replacing personal items inside your RV, such as clothing, electronics, kitchenware, and outdoor equipment. This is especially important for full-time RVers or those who travel with valuable gear.
- Roadside Assistance: Flat tires, breakdowns, and towing needs happen, especially on long trips. RV-specific roadside assistance plans cover large vehicles and provide help when you’re far from home.
- Emergency Expense Coverage: If your RV is inoperable due to a covered loss while you’re traveling, this can cover hotel stays, transportation, and meals while your RV is being repaired.
Factors That Affect Premiums for Recreational Vehicles
Several factors will influence your RV insurance cost in Florida. These include RV type and class, usage type (recreational vs. full-time), driving history, value and custom features, storage location, and security features like GPS tracking and anti-theft devices.
Expert Tip: Bundling your RV insurance with home or auto policies may qualify you for discounts.
Insure Your Recreational Vehicles with Anderson & Associates Insurance Group
Florida offers countless opportunities for RV adventures—but before you hit the open road, it’s crucial to understand your insurance options. Whether you’re towing a camper to the Keys or living full-time in a Class A motorhome, having the right coverage ensures you’re protected from bumps along the way.
At Anderson & Associates Insurance Group, you’ll work with an agent who understands RV-specific insurance and can tailor a policy to fit your lifestyle. With the right plan, you’ll enjoy every mile of your journey worry-free.
