An RV is no small investment. If you’ve spent the cash to buy a recreational vehicle, it’s important to protect it—and the right RV insurance can help you do just that.
Fortunately, if you live in Florida, there are a number of RV insurance options from which to choose. Use this guide to find the right one for your vehicle.
On this page:
- RV insurance requirements in Florida
- RV insurance options for Florida
- Types of RV insurance
- What influences the cost of RV insurance?
RV insurance requirements in Florida
RV insurance is critical to protecting your investment, as well as offsetting the costs of any major repairs. If you drive the RV (rather than towing it behind a vehicle), insurance is also required by Florida state law.
As of April 2020, Florida requires the following vehicle insurance minimums:
- At least $10,000 in personal injury protection
- $10,000 or more in personal damage liability
You also must purchase this insurance from a carrier licensed in the state, and you’ll need to maintain coverage for the entirety of your RV’s state registration period, even if you travel outside Florida boundaries during that time or if the vehicle is inoperable.
>>Read more: Is RV insurance required in my state?
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RV insurance options for Florida
Getting the minimum RV insurance coverage is important, but so is finding the right price for your budget. Use this section to compare Florida RV insurance.
Good Sam
- Full Replacement Coverage? Yes
- Personal Belongings Coverage: Up to $3,000
- Storage Discount: Up to 53% off your premium
Good Sam is an insurance company offering policies for cars, RVs, boats, and residential properties. Its RV insurance options cover both towed RVs and drivable ones, and there are a slew of discounts available, including up to 20% off if you use Good Sam for both your car and RV policies.
Coverage is available for:
- Full replacement cost
- Personal belongings
- Permanent attachments
- Emergency expense allowance
- Full-time RV residents
- Driving in Mexico
Discounts available for:
- Bundled policies
- Military members and veterans
- Taking an RV safety course
- Paperless billing
- Paid-in-full premiums
- In-storage periods
- Good Sam membership
National General
- Full Replacement Coverage? Yes
- Personal Belongings Coverage: Up to $3,000
- Storage Discount? Yes
National General offers RV insurance, as well as home and health insurance coverage. The company covers Class A, B, and C motorized RVs, as well as drivable Airstreams. A variety of towable travel trailers and RVs are also eligible, and all policies cover up to $3,000 in personal belongings.
Coverage is available for:
- Specialized equipment
- Full replacement cost
- Search assistance (for finding a new RV after one has been totaled)
- Personal belongings
- General liability
- Driving in Mexico
- Permanent attachments
- Mechanical breakdown, towing, and emergency fuel delivery
- Rental car coverage
- Emergency food and lodging
- Full-time RV residents
Discounts available for:
- Multi-vehicle policies
- In-storage periods
- Low mileage
- Paid-in-full premiums
- Paperless billing
- Safe driver
Progressive
- Replacement Cost Coverage? Yes
- Personal Belongings Coverage? Yes
- Storage Discount? No
Progressive is a well-known car insurance company that also offers coverage for recreational vehicles. The company covers Class A, B, and C motorhomes, as well as a variety of trailers and towable campers.
Progressive also offers valuable perks like small accident forgiveness, which ensures your premium won’t increase as long as you keep claims under $500. There are also disappearing deductibles that reduce your premium by 25% every claim-free period you have.
Coverage is available for:
- Comprehensive and collision
- Liability
- Uninsured and under-insured motorist
- Medical payments
- Roadside assistance
- Total loss replacement
- Personal belongings
- Vacation liability
- Full-time RV residents
- RV association losses
- Emergency expenses
- Pet injury
Discounts available for:
- Multiple policies
- Original RV owners
- Safe driver
- Early RV insurance quotes
- Paid-in-full premiums
- On-time payments
- Claim-free renewals
- Continuous insurance coverage
- Paperless billing
Types of RV insurance offered in Florida
Deciding what type of coverage you want is the first step toward securing your insurance. As you can see from the above reviews, every insurer offers slightly different coverage options.
Here are just a few you can usually choose from, as well as what they entail:
- Collision: This type of coverage helps pay for damages if you’re in a wreck (whether it’s your fault or not).
- Comprehensive: Comprehensive covers additional damage caused by weather events, theft, or anything not related to an actual collision.
- Liability: Liability coverage pays for injuries you, your passengers, or passengers of other vehicles may experience if you’re in an accident. It may also cover legal expenses if you’re sued by another driver or property owner.
- Full-timer: Full-timer coverage is designed for drivers who live in their RVs 24/7. It acts more like homeowners insurance than your traditional auto insurance policy.
- Vacation coverage: This is a type of policy that covers you when you’re actively traveling. Mexico insurance is similar to vacation coverage, but it only covers your repairs and damages when you’re across the border.
There are many other coverages as well, but these are the most common. Most insurers allow you to tailor your policy as needed, adding and removing coverages that fit your unique budget and travel style.
What influences the cost of RV insurance?
The premium you’ll pay on your RV insurance policy will depend on a number of factors, including the type of RV you drive, its make, its model, its age, and much more.
Here’s a quick look at what will influence your unique cost:
- Type of RV: The type of vehicle you drive will be a big determinant. Generally, more expensive RVs will command pricier premiums.
- Coverage type: The more coverage you want in an emergency (and the more emergencies you want to be covered), the more you’ll likely pay for it.
- Use: How much you use the RV will play a role, too. If you’re a full-timer, you can expect to pay a higher premium than someone who only uses the vehicle occasionally.
- Deductible: Lower deductibles mean the insurer is on the hook for a bigger chunk of the damages, while higher deductibles mean the opposite. The lower the deductible you choose, the bigger your premium will be.
- Age and mileage of RV: Older RVs and RVs with more mileage are simply more prone to breakdowns than newer ones, making them more expensive to insure in most cases.
- Your driving record and insurance claim history: Drivers with more claims or accidents on their records will see higher premiums than those with spot-free records.
Your rates will vary depending on what insurance company you choose, as well. To ensure you get the best deal possible, always consider at least three insurers before signing on the dotted line. Use our guide to the best RV insurance companies to start shopping around today.