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, you will have to replace these things out of your own pocket.
If you are driving a small house on wheels, you are likely not prepared to stay anywhere outside of it while on vacation. If you are in an accident that causes extensive damage, you will not be able to continue living out of your recreational vehicle. The best Florida RV policy will have provisions for paying the additional costs of hotels or motels that are required due to the accident.
In many cases, travelers have additional passengers, which increases the potential for personal injury or illnesses that may occur while they are in your recreational vehicle. Much like homeowner ins. protects you if someone gets injured in your home or on your property, the right coverages will do the same for those in your motorhome.
Your recreational vehicle is much more than an average automobile and you need to keep this mind when trying to find the best Florida RV insurance for your needs. While lower premiums and deductibles are enticing, they may not provide you with the coverages you actually need while driving your motor home. If you want to find the best policy, you need to consider additional coverages.