Florida RV Insurance
With its year-round sunshine, beachside campgrounds, and access to iconic destinations like the Florida Keys and Everglades, the Sunshine State is a dream come true for RV enthusiasts. Whether you’re parked near the Gulf Coast, cruising down I-75, or snowbirding in central Florida for the winter, owning an RV in this state offers unmatched freedom and flexibility. But to enjoy your travels stress-free, it’s crucial to have proper Florida RV insurance to protect your investment, meet state laws, and prepare for unexpected events like severe weather or theft.
Florida’s mix of high tourism traffic, storm-prone geography, and year-round RV use makes having the right insurance coverage not just smart—but essential. Whether you own a motorized RV or a towable trailer, understanding your insurance needs will help ensure you stay protected from roadside accidents, property damage, and costly repairs.
Florida RV Insurance Frequently Asked Questions
Yes, Florida RV insurance is required for all motorized RVs, including Class A, B, and C motorhomes. These vehicles must carry the same minimum liability coverage as any other vehicle registered in Florida. In addition, Florida also requires Personal Injury Protection (PIP), though many RV insurers may provide an exemption depending on how the RV is used.
Towable RVs, such as fifth wheels, travel trailers, and pop-up campers, do not require separate liability insurance by law. However, these vehicles are not covered for damage under your auto policy unless you add comprehensive and collision protection. Given the risks in Florida, especially for coastal RVers, carrying additional coverage is highly recommended.
Whether you’re a snowbird escaping the cold, a local weekend warrior, or a full-time RVer, your RV represents a major investment and a unique way of life. Florida RV insurance protects you not only from legal liability, but from the very real risks that come with traveling and living in a dynamic, weather-prone state.
Don’t wait until a hurricane warning or fender-bender catches you off guard. The right policy can protect your RV, your belongings, and your peace of mind—so you can focus on enjoying the beauty of Florida from behind the wheel.
- $10,000 Personal Injury Protection (PIP)
- $10,000 Property Damage Liability (PDL)
Note: While these are the legal minimums, many RV owners choose higher liability limits and additional coverages to better protect against Florida’s unique risks.
Because of the state’s high weather risk and traffic density, Florida RV insurance tends to cost more than in many other states.
Your premium will vary depending on factors like your RV’s value, where you store it, how frequently it’s used, and your driving record. Full-time RVers or those living in high-risk coastal areas may see higher rates due to increased exposure to hurricanes and theft.
Coverage Options to Consider
To ensure complete peace of mind, consider adding these coverages to your Florida RV insurance policy:
- Comprehensive Coverage: Covers damage from storms, flooding, fire, theft, and vandalism.
- Collision Coverage: Pays for repairs or replacement if your RV is damaged in a crash.
- Full-Time RV Insurance: Ideal for those who live in their RV year-round, offering additional liability and property protections.
- Personal Effects Coverage: Protects valuables stored inside your RV.
- Emergency Expense Coverage: Covers lodging, food, and travel if your RV becomes uninhabitable.
- Roadside Assistance: A must-have in case of breakdowns, flat tires, or towing needs on long Florida drives.
How to Save on RV Insurance in Florida
- Store your RV securely: Covered or indoor storage away from the coast may reduce premiums.
- Install anti-theft and safety devices: GPS trackers, alarm systems, and fire extinguishers can qualify for discounts.
- Bundle policies: Combine your RV insurance with home or auto coverage to save money.
- Limit mileage: If you only use your RV occasionally, report lower usage for potential savings.
- Take an RV safety course: Some insurers offer discounts for certified safe driving education.
Testimonials
Marty Karriker is a class act! His communication and business ethics are top notch and it’s always a pleasure to work with him and his team.
- Andrew Steele (RVing with Andrew Steele)
Common RV Risks in Florida
Florida’s beauty comes with some notable hazards. Your RV insurance should be tailored to protect against these frequent risks:
- Hurricanes and Tropical Storms: Coastal RVers face seasonal threats that can cause severe wind and flood damage. Comprehensive coverage is essential.
- Flooding: From heavy rains to rising tides, water damage can quickly total an RV without proper coverage in place.
- Theft and Vandalism: Florida’s busy campgrounds and urban storage facilities can be hotspots for theft. Personal effects coverage helps protect your belongings.
- Traffic Accidents: With millions of tourists and full-time residents on the road, accidents are a common risk. Collision insurance helps cover repairs or replacement.
- Sun and Heat Exposure: Constant UV exposure can damage RV exteriors and interiors over time. While not an emergency, this wear-and-tear should influence how you store and insure your RV.
Request a Quote
We specialize in helping RV owners across the Sunshine State find the right coverage for their needs and budget. Whether you’re on the road part-time or full-time, our Florida RV insurance policies are built to handle it all—from tropical storms to roadside mishaps.
Contact us today for a free, no-obligation quote and hit the road knowing your RV is fully protected in Florida.
