Florida is an RV camper enthusiast’s dream—woods, beaches, and sunny skies nearly year-round. With attractive sites and RV ownership on the rise, it is important for Florida RV drivers to ensure they have the proper insurance coverage. Not only do you want to consider the minimum requirements for RV insurance in Florida, but you also want to consider other coverages to ensure your recreational vehicle is properly and thoroughly covered.
Florida RV Insurance Requirements
Florida does require all motorhomes to be insured. Essentially, if you can drive it, it needs insurance. Campers, trailers, and fifth wheels that are towed behind a vehicle don’t require their own policy, but owners should consider ample coverage in the event of an accident. If you are still making payments on your RV, then your lender may require you to carry insurance regardless of what type of RV it is.
The minimum coverage you have to carry on your RV in Florida is the same as the coverage required for other vehicles:
- $10,000 Personal Injury Protection (PIP)
- Provides coverage for medical expenses for you and any of your passengers.
- $10,000 Property Damage Liability
- Provides coverage for damage caused to the other vehicle or property involved in the collision.
Registering your RV in Florida also works along the same process of registering a car.
Additional RV Insurance To Consider
Just like you would consider for your home or car, there are additional insurance coverages available for your RV. As with the required insurance coverage, select additional coverage may be required if you lease or financed the RV. RVs are a large investment and should be treated as such. Additional coverage you should consider for your RV include:
Collision coverage protects damage to your RV in the event of an accident—or collision—with another vehicle, RV, or object (like a tree or post).
Comprehensive provides coverage for damage not caused by a collision, like a fire, theft, or vandalism. It also covers “falling” object like a tree branch knocked loose in a storm or a rock kicked up from the road.
Uninsured/Underinsured Motorist Protection is especially important to consider enrolling into when you live in Florida—as the state has one of the highest rates of uninsured drivers. If the other driver doesn’t have insurance, your own may not be enough to cover the cost of repairs to your RV.
Bodily Injury Liability/Medical Coverage provides additional coverage for all parties involved in the accident.
Permanent Attachments Coverage helps protects parts of your RV like the awning system that can become damaged.
Full Replacement Cost Coverage is important to consider if you have a brand new RV. This coverage will provide you with a new RV if yours is totaled or stolen within the first 5 model years.
Emergency Expense Coverage is handy for Florida RVers—it covers the cost of travel, lodging, even food if you have to leave home in an emergency (like a hurricane evacuation).
Personal Effects Coverage covers the cost of replacing lost, stolen, or damage personal items if a covered event occurs. Typical coverage limit begins at $3,000.
In addition, be sure that your insurance policy for your RV is specific to how often you use it. If you are a full-time RVer, you’ll want to make sure coverages like PIP and Comprehensive are active year-round. If you store your RV for part of the year, you’ll want a policy that allows you to suspend coverages that are only needed when using the RV, like PIP.
Contact an RV insurance agent from Magruder to discuss all of your RV coverage needs. We’ll help you identify the policies you need and the limits that will benefit you the most, helping you select the most affordable and custom RV insurance policy just for you. And before you hit the road this summer be sure to review our RV Checklist here to get your RV summer-ready.