RV insurance is specifically designed to protect people that travel. Whether your RV is a luxury coach, motor home, travel trailer, fifth wheel, pop-up camper, or camper van, insurance for your recreational vehicle can be confusing, especially as it relates to different types of RVs and specific state laws.
Who Needs RV Insurance?
Insurance for RVs is specifically designed to protect the people who travel in them and their possessions. Your RV needs insurance for damage both on and off the road. RV Insurance protects your vehicle, just like auto insurance; but it also protects the living area, like home insurance.
Some of the risks to consider associated with RV ownership include:
- The RV is usually larger than typical family vehicles on the road. As such, you need greater liability coverage than for a regular automobile.
- While camping or parked, the RV becomes your home and needs liability protection as well as protection against theft, fire, and other disasters.
- If your RV should become damaged or need repair while traveling, you may need a place to stay if extended repairs are necessary.
- RV insurance can help if someone in your traveling party is injured in your RV or at your campsite.
- RV insurance may help if the RV and your possessions are stolen, damaged or destroyed in an accident.
Is RV Insurance Required in Florida?
Florida state law requires insurance on motorized RVs that you drive, as opposed to one that you tow. Drivable RVs need liability, comprehensive, and collision coverage just like an automobile. There are no insurance requirements for trailers that are towed behind your vehicle in Florida.
Florida’s minimum liability RV insurance requirements are:
- $10,000 in bodily injury liability per accident for one person.
- $20,000 in bodily injury liability per accident for all persons.
- $10,000 in property damage liability per accident.
Things to Consider About RV Insurance
An RV can be a significant investment. Prices range from a few thousand dollars for smaller, tow-behind camping trailers to hundreds of thousands of dollars for Type A motorhomes.
In addition to the cost of your RV, there are several factors to consider when insuring your RV:
- Full or Part-time. If you only plan to vacation once or twice a year in your RV, seasonal coverage may be right for you.
- Camper liability helps protect you if someone is injured in or nearby your RV.
- Extra bodily and property damage liability can be helpful, especially for large RVs.
- 24-hour roadside assistance can be a worthwhile feature that can save you time and money.
- Emergency expense money can be helpful if you have trouble on the road or need to stay in a hotel while your RV is repaired.
ABC Dennis Insurance Agency
ABC Dennis Insurance is an independent insurance agency established in 1997 that provides RV insurance for individuals, families, and businesses.
As an independent agency, we find the best coverage with the most competitive rates among multiple insurance companies. This is important because no insurance company can meet every insurance need. So, we shop multiple insurance carriers to find the coverage that best fits our customers’ every need.