With literally hundreds of RV parks and campgrounds, coupled with year-round weather forecasts that call for sunny skies and warm temperatures, Florida is the RV enthusiast's paradise. As the popularity of RV ownership increases, however, so too do the number of accidents and incidents that only an RV insurance policy can protect you from. Before you search for RV insurance quotes, there are several factors to consider.
These are some facts and figures according to census data and market research:
While there is an RV for every taste and budget, even modest motorhomes aren't cheap. Prices for new RVs are typically $5,000 to $22,000 for folding camping trailers; $6,000 to $55,000 for truck campers; $8,000 to $95,000 for conventional travel trailers; $43,000 to $200,000 for Type C motorhomes; and $60,000 to $500,000 for Type A motorhomes.
Although a well built class A motorhome is a pleasure to drive on straight roads, some people find longer motorhomes more difficult to back up and turn in close places. The width of the driving compartment gives many RVers problems judging right side clearance, which can cause accidents. Class A motorhomes have more structural problems than other types of RVs, and the cockpit offers little protection to driver and passenger in a collision.
A single accident can cost thousands of dollars in repairs. Additionally, since people use their RVs in more ways than simply driving to their next vacation destination, motorhome insurance is important to protect you, the owner, from all sorts of situations that could end up costing you significantly.
If you drive your RV, rather than tow it behind your vehicle, Florida state law requires you to carry insurance on it. These are the minimum liability insurance requirements:
It is important to remember, however, that FL has some of the lowest minimum liability standards of any state. You may find it necessary to carry additional coverage over the state's minimum requirements, especially considering how costly RV accidents can be for those involved.
Chances are, if you were able to register your RV, motorhome or camper with Florida's Department of Motor Vehicles, insurance companies have a policy that meets your needs. You should be able to find a motorhome insurance policy for any of the following types of common recreational vehicles:
It's important to speak with a qualified agent who can help you determine the best insurance coverage options for your specific RV.
Most Florida insurance providers will give you several options from which to choose as you build your RV insurance policy, including the following:
It is difficult to estimate average RV insurance quotes because recreational vehicles come in a wide variety of prices, sizes and uses. Most Florida insurance companies take several factors into consideration when they calculate your RV insurance quotes, including the following:
It's always a good idea to shop around and compare several quotes from a variety of Florida insurance companies to be sure you are buying a policy with the lowest cost.
Finding the right RV insurance policy can mean the difference between canceling your next family vacation and recovering quickly following an accident. Knowledgeable, independent insurance agents in the Trusted Choice® network are always available to answer your questions, suggest coverage options ideal for your RV and even assist you in filing a claim.
Contact a Trusted Choice agent near you to find out how you can obtain the perfect RV insurance policy that meets your needs and budget.