Florida RV Insurance For Motorhomes And Campers

What Is RV Insurance?

RV insurance is specialized coverage that protects recreational vehicles like motorhomes, travel trailers, fifth wheels, and campers. This unique type of insurance combines elements of auto and homeowners coverage because your RV is both a vehicle and a living space. Your policy protects the RV itself from damage, provides liability coverage for accidents, and covers your personal belongings inside the vehicle. Whether you live in your RV full-time or use it for weekend getaways, proper insurance ensures you're protected on the road and at the campsite.

Why You Need RV Insurance

• Protects your substantial investment in your recreational vehicle
• Required by law if you operate a motorized RV on public roads
• Covers liability if you cause an accident resulting in injuries or damage
• Protects personal belongings stored in your RV
• Provides coverage for attached accessories like awnings and satellite dishes
• Pays for emergency expenses while traveling if your RV breaks down

Common Coverages in Your RV Policy

Liability coverage pays for injuries and property damage you cause to others. Collision coverage pays to repair your RV after an accident. Comprehensive coverage protects against theft, vandalism, fire, and weather damage. Personal belongings coverage protects items you keep in your RV. Emergency expense coverage pays for hotels and transportation if your RV breaks down during a trip. Vacation liability coverage protects you when your RV is parked and being used as a temporary residence. Roadside assistance and towing coverage helps when you experience mechanical problems or flat tires while traveling.

Full-Timer Coverage for RV Residents

If you live in your RV full-time, you need full-timer coverage, which provides homeowners-like protection rather than standard RV insurance. This coverage includes higher limits for personal property, full-time liability protection, and additional living expenses if your RV becomes uninhabitable. Full-timer policies recognize that your RV is your primary residence and adjust coverage accordingly. The Gordon Agency can help you determine whether full-timer coverage or standard RV insurance better fits your lifestyle.

How Does RV Type Affect My Coverage and Premium?

Different types of RVs require different coverage approaches. Motorhomes need liability and physical damage coverage like auto insurance. Travel trailers and fifth wheels can often be covered under your auto policy when being towed, but need separate coverage when parked. Your RV's value, size, age, and how you use it all affect your premium. Higher-value coaches and motorhomes cost more to insure, but agreed value coverage ensures you're fully protected. Our experienced agents understand these distinctions and can build appropriate coverage for your specific RV.