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 type of RV you are insuring and its length, weight, and value
- The value of the personal property you keep inside your RV
- The estimated number of miles you drive your RV per year
- The amount of time you spend living in the vehicle each year
- Your driving record and insurance claims history
- The amount of your deductible
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:
- Personal injury protection (PIP) coverage: This can cover medical bills and related expenses if you or your passengers are injured in a collision, regardless of fault. Your policy must include at least $10,000 in coverage.
- RV liability coverage: If you cause a collision while driving your RV, this can cover other people’s property damage as well as any medical treatment they need that goes beyond what their PIP insurance can cover. In Florida, you must have at least:
- Personal property liability insurance: $10,000 per incident
- Bodily injury liability insurance: not required in Florida
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:
- Personal liability coverage: This is meant for people who live in their RVs full time. It can give you the same personal liability protection you would get through a homeowners or renters insurance policy.
- Vacation liability coverage: This is meant for people who take their RVs on trips to various destinations. It can give you additional liability protection if you are responsible for property damage or injuries while staying at an RV park.
- Contents coverage: This is particularly valuable for people who own larger RVs like motor coaches. It can pay to repair or replace property you keep in your RV, like appliances, furniture, and clothes, if it is lost or damaged by a covered event like a fire, hurricane, or burglary.
- Collision coverage: This can cover the cost to repair or replace your RV if it is damaged in a collision while you are out on the road, regardless of fault.
- Comprehensive coverage: This can cover the cost to repair or replace your RV if it is lost or damaged while it is parked. Covered non-collision events include things like tornadoes, hurricanes, and floods.
- Uninsured/underinsured motorist insurance: This can cover your property damage and medical treatment that go beyond what your PIP can cover if an uninsured or underinsured driver is responsible for a collision with your RV. This is particularly important in Florida where bodily injury liability coverage is not required and many are therefore underinsured.
- Towing and roadside assistance: Most RVs require specialized towing if they become disabled. This coverage lets you rest assured that a roadside assistance service call will not set you back financially.
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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