Summer is right around the corner, and it’s the perfect time to protect your home on wheels with RV insurance.
Whether you’re planning a long trip or going away for the weekend, making sure your RV is insured should be the first item on your to-do list.
In this blog, we’ll cover:
- What is RV insurance?
- Florida motor vehicle insurance requirements
- 4 things you might not have known about RV insurance
What is RV Insurance?
RV insurance offers protection if injuries to others or property damage occur. It can also cover the cost of damage to your motorhome or trailer if there’s an accident.
Coverage is typically customizable to align with your needs and state requirements.
Florida Motor Vehicle Insurance Requirements
According to Florida Highway Safety and Motor Vehicles, a current Florida registration must be insured with a minimum of $10,000 in personal injury protection (PIP) and a minimum of $10,000 in property damage liability (PDL).
4 Things You Might Not Have Known About Florida RV Insurance
1. Basic auto insurance isn’t enough.
There’s a false belief that a person’s standard auto insurance policy provides adequate protection.
RVs actually require specialized coverage that addresses the fact that they are both vehicles and dwellings.
Because of that, RV insurance provides more specialized coverage for personal belongings and attachments.
The main difference between a standard auto policy and RV insurance is that it offers more protection based on the associated risks of using an RV.
While the minimums for PIP and PDL are required, they rarely provide sufficient protection for an RV owner’s investment.
2. Hurricane coverage isn’t automatically included.
Florida’s hurricane season lasts from June to November, so RV owners need coverage for most of the year.
RV policies don’t automatically include hurricane coverage. That’s because most policies exclude or severely limit coverage for named storms.
RV owners need to add comprehensive hurricane coverage, including named storm protection, to their policies to protect their vehicles.
3. Full-timer policies offer homeowners’-like coverage.
If you live in your RV full-time or use it for extended periods, you can opt for full-timer policies that function more like homeowners insurance.
These policies extend beyond accidents and include slip-and-fall incidents in and around your campsite.
These policies typically include additional living expenses coverage to help pay for alternative accommodations if your RV becomes uninhabitable due to a covered loss.
4. Where you store your RV matters.
The location of where you store your RV when you’re not using it impacts your insurance rates in Florida.
RVs stored in secure, covered facilities instead of your home’s driveway or an unsecured lot typically lead to lower premiums.
If you’re shopping for RV insurance in Florida, we can help. Contact us today to find a policy that works for you.
Frequently Asked Questions
Does standard auto insurance cover my RV in Florida?
No, standard auto insurance typically does not provide enough protection for an RV. RV insurance is designed specifically for motorhomes and travel trailers because they function as both vehicles and living spaces. It can include protection for personal belongings, attached equipment, and additional risks associated with RV ownership.
Is hurricane coverage automatically included in Florida RV insurance?
No, hurricane coverage is not always automatically included in Florida RV insurance policies. Many policies may limit or exclude coverage for named storms. RV owners in Florida should consider adding comprehensive hurricane and named storm coverage to better protect their vehicles during hurricane season.
What is a full-timer RV insurance policy?
A full-timer RV insurance policy is designed for people who live in their RV full-time or use it for extended periods. These policies work similarly to homeowners insurance and may include liability coverage, protection for personal belongings, and additional living expenses if the RV becomes temporarily uninhabitable after a covered loss.
Does where I store my RV affect my insurance rates?
Yes, where you store your RV can impact your insurance premiums. RVs stored in secure, covered, or monitored storage facilities may qualify for lower insurance rates compared to RVs parked in driveways or unsecured lots.
What are the minimum RV insurance requirements in Florida?
Florida requires registered motor vehicles, including many motorhomes, to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimum coverages may not fully protect your RV investment, so additional coverage is often recommended.
