If you own a recreational vehicle, commonly referred to as a motorhome, in Florida, you will need to make sure that you have the coverage you need.  Even though you may already have automotive insurance, you will need an additional policy that specifically covers your Motorhome in order to be in compliance with Florida laws.

There are growing numbers of RVs on the roads in Florida, which also means an increase in the number of larger vehicle accidents.  If you want to make sure you are protected if an accident happens, you need to find the best Florida RV insurance.

State Minimum Coverages

As with all vehicle policies, there are certain minimum coverages that are required by Florida law.  These coverages are $10,000 in personal injury protection, and $10,000 in property damage liability.  However, this might not be the best Florida motorhome insurance coverage amounts.

Most accidents involving traditional automobiles result in higher costs than these minimums.  When you consider the massive size of an average motorhome, it quickly becomes obvious that they pose a considerably larger threat when involved in an accident – especially if the other vehicle is much smaller.   Any costs that are over the $10,000 minimums will have to come out of your own pocket, which can have devastating long-term effects on your finances.

Other Considerations for the Best Florida RV Insurance

Another consideration in finding the best Florida recreational vehicle coverage is your own needs.  Your motorhome is essentially your home away from home.  This means that you are likely to have many of your personal possessions, including valuables, clothing, and additional equipment with you in the motor home.  If you are in an accident, all of these things have the potential to be lost or destroyed.  If you do not have sufficient coverage, […]

Every driver across the United States has some kind of car insurance policy. Homeowners within the country have insurance policies to cover their homes in the event of something happening to their homes. Though, if you have an alternative investment like a recreational vehicle, is it the right choice to get an insurance policy to protect it?

According to many industry experts, the answer is actually yes. Even though some people find a recreational vehicle insurance policy superfluous or, in other words, unnecessary doesn’t mean that it’s not an insurance policy that’s needed to protect the vehicle as an investment. Because, it actually is.

Recreational vehicle, otherwise known as RV insurance, is known to provide insurance coverage for motor homes, travel trailers, campers and even horse trailers.  Many recreational vehicle insurance policies provide different coverage options to insure the vehicle, its driver and any associated third parties from occurrences that may take place.

In Florida, there’s a wide contingent of recreational vehicle owners, which is in part to the relatively open climate and coastal nature of the state. Due to this, there are many Florida RV insurance providers who can help you find a plan to best suit the needs of your vehicle and yourself.

With the right RV insurance coverage….

Floridians who happen to own recreational vehicles are in luck. Why? It’s because recreational vehicles that are primarily used for personal recreational use are actually able to be insured for up to 250 days per year. This pretty much allows anyone – even across the United States – to travel down south to Florida and enjoy the state’s warmer fall and winter weather.

That’s not the only thing that’s covered […]

Owning a recreational vehicle can be an exciting prospect, though at the end of the day, you can’t own such a vehicle without having some type of protection to make sure that you and your vehicle are well covered.

The case for RV insurance

There are a lot of already existing recreational vehicles—so many that require different needs in regards to maintenance and legal coverage. It’s that reason why it’s always a good idea to research the insurance options available for any prospective insurance plan for your recreational vehicle.

In other words, yes, you need what’s known as RV insurance to make sure your vehicle, yourself and any third party is insured in the case of an accident or other unfortunate occurrence.

In the state of Florida, many residents have purchased their own recreational vehicles as a means for retirement, vacationing or recreation in their neck of the woods. Since there are many different types of recreational vehicles, otherwise known as RVs, RV owners should learn more about the types of policies available for their vehicle’s needs.

Many RV insurance policies cover recreational vehicles like motor homes, fifth wheels and travel trailers. Many, if not all, of these policies are typically required depending on the type of RV that you own. In other words, the type of policy that you may want to get will vary based on the recreational vehicle that you have.

Most RV insurance policies provide standard motor home coverage, in addition to bodily injury and property damage liability coverage. In Florida, you’re likely to come across an insurance policy with personal injury protection coverage.

Finding a policy

As a recreational vehicle owner in Florida, you should want […]