Florida recreational vehicle insurance is required for many types of RVs, campers and motor homes. If you are wondering if you need an RV insurance policy, then keep in mind that Florida requires all registered vehicles with at least four wheels to have insurance. While most RVs will require coverage, trailer-style RVs and campers may not need an insurance policy. However, if you are unsure, then ask an agent before purchasing RV insurance, so that you have a better idea of your expenses. Obtaining RV insurance quotes is the best way to get a policy that provides all the coverage you need at an affordable rate. Note that recreational vehicle coverage is not provided by every insurance company. You may even find that RV insurance policies are not available at your current car insurance company. Looking for recreational vehicle insurance quotes and rates from other providers will give you an accurate idea of your options. In the sections below, learn more about RV insurance policies in Florida and find out how to get the recreational vehicle coverage you need.
What is RV insurance in Florida?
A Florida RV insurance policy provides financial coverage in the event your RV is involved in auto accidents or other incidents on the road. Some recreational vehicle insurance plans can also cover damage that your RV sustains from weather or regular use. RVs are different from other types of vehicles on the road in a number of ways, such as they carry more possessions and personal property than most other types of vehicles. If you drive an RV, then you may want protection for your belongings as well as the vehicle itself. Some RV insurance policies can cover your vehicle and the things you carry in it. As with insurance policies for any type of vehicle, you can choose the types of coverage that you want. Florida RV insurance can provide coverage for the following:
- Person Injury Protection (PIP), which pays for injuries you and other drivers or passengers sustain during an accident
- Bodily Injury Liability (BIL), which covers deaths as well as serious and permanent injuries that result from an accident
- Property Damage Liability (PDL), which pays for damage that you cause to other drivers’ property
- Repair/Replacement RV coverage, which can pay for the costs to fix or replace your RV
- Vacation coverage, which can be purchased to cover extra incidents that may occur when you use your vehicle for a trip
Overall, Florida RV insurance is meant to help you pay for expenses that result from costly accidents and incidents. Ultimately, the types of recreational vehicle coverage you choose will determine the ways that you can use your insurance policy.
Requirements for RV Insurance Coverage in Florida
While there are many types of RV insurance policies available in Florida, the plan you choose must provide a certain amount of basic coverage. Florida law requires that recreational vehicle insurance, like any vehicle insurance policy, provides PIP and PDL coverage for the entire time that you own your vehicle. If you own an RV that does not require an insurance policy, then you may be exempt from this rule. However, keep in mind that most driven RVs will fall under the requirement. If you are required to have a Florida RV insurance policy, then your plan must provide a minimum of $10,000 PIP coverage and $10,000 PDL coverage.
Learning the Florida RV insurance requirements is important if you only spend part of the year in Florida as well. For example, you must have recreational vehicle coverage that meets Florida’s minimum requirements even if you only spend the winter in Florida with your RV. Any person who operates a vehicle in Florida for more than 90 days within a one-year period must comply with Florida’s insurance requirements. Similarly, a continuous RV insurance policy is required if you store your RV in Florida for part of the year. For example, if you are a Florida resident who lives elsewhere over the summer, then your RV still needs to be insured while it is stored in Florida.
How to Compare RV Insurance Quotes in Florida
Getting RV insurance quotes and rates is the best way to find an affordable RV insurance policy in Florida. RV insurance rates vary greatly depending on the type of coverage you require. Additionally, the type of RV you own will affect your insurance. Factors such as your credit score, age, gender, marital status and driving history will affect your rate as well. Get a Florida RV insurance quote from multiple providers so you have a better understanding of what your costs will be.