Florida RV Insurance

An RV is a significant investment. If you’ve spent the money to buy a recreational vehicle, it’s crucial to protect it—and the right RV insurance can help you do just that.

If you live in Florida, many RV insurance options are available. Use this guide to find the best coverage for your vehicle.

Company	Replacement cost?	Storage discount?
Good Sam	✅	✅
National General	✅	✅
Progressive	✅	❌

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

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• Full replacement coverage
• Personal belongings coverage up to $3,000
• Storage discount up to 53% off your premium

Why it’s one of the best

Good Sam offers comprehensive RV insurance policies that cater to both towed and drivable RVs, making it a versatile choice for RV owners in Florida. With the state’s diverse climate and extensive network of RV parks, Good Sam’s robust coverage options are particularly beneficial. The policies include protection against common risks such as hurricanes, tropical storms, and flooding, which are prevalent in Florida.

Good Sam provides numerous discounts to make insurance more affordable. For instance, you can save up to 20% by bundling your car and RV insurance policies with Good Sam. This is advantageous for Floridians who often use their RVs for travel within the state or beyond. Furthermore, Good Sam’s network of partners and services is tailored to the needs of RV owners, offering roadside assistance and specialized repair services that are critical for maintaining your vehicle in Florida’s diverse environments.

With a strong focus on customer service and a reputation for reliability, Good Sam stands out as one of the best options for RV insurance in Florida. The company’s extensive experience and comprehensive coverage options ensure that your investment is protected, allowing you to enjoy the RV lifestyle with peace of mind.

National General

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• Full replacement coverage
• Personal belongings coverage up to $3,000
• Storage discount

Why it’s one of the best

National General stands out as a top choice for RV insurance in Florida due to its comprehensive coverage options and specialization in various types of RVs. The company provides insurance for Class A, B, and C motorized RVs, as well as drivable Airstreams. This is beneficial for Florida RV owners who have a diverse range of recreational vehicles. National General also covers a variety of towable travel trailers and RVs, ensuring that almost any type of RV is protected.

National General’s policies feature coverage of up to $3,000 in personal belongings, which is crucial for Floridians who often travel with valuable equipment or personal items. This coverage can provide peace of mind, knowing that personal property is protected against theft, damage, or loss while on the road or at a campsite.

National General offers specialized coverage tailored to the unique weather conditions in Florida. This includes protection against hurricane damage, which is essential given the state’s susceptibility to severe weather events. The company’s policies also include emergency expense allowances, which can be useful if you need to relocate temporarily due to a storm or other natural disaster.

Progressive

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• Replacement cost coverage
• Personal belongings coverage
• No storage discount

Why it’s one of the best

Progressive, a well-known car insurance company, also provides extensive coverage options for recreational vehicles, making it an excellent choice for RV owners in Florida. The company insures Class A, B, and C motorhomes, as well as a variety of trailers and towable campers, ensuring comprehensive protection for different types of RVs.

A standout feature of Progressive’s RV insurance is its valuable perks, such as small accident forgiveness. This benefit ensures your premium won’t increase as long as your claims remain under $500, which can be advantageous for minor incidents. Progressive also offers disappearing deductibles, which reduce your deductible by 25% for every claim-free period you maintain. This feature can lower your out-of-pocket costs over time.

For Florida residents, Progressive’s coverage also takes into account the state’s unique weather challenges, offering protection against damages from hurricanes and tropical storms. This is crucial for RV owners who face the threat of severe weather and need reliable insurance to cover potential damages.

RV insurance requirements in Florida

RV insurance is essential for protecting your investment and mitigating the costs of major repairs. If you drive your RV (rather than towing it), Florida state law requires insurance.

As of 2024, Florida requires the following vehicle insurance minimums:

• $10,000 in personal injury protection (PIP)
• $10,000 or more in personal damage liability (PDL)

These coverages ensure that you and your vehicle are protected against significant out-of-pocket expenses resulting from accidents or injuries.

You must also purchase insurance from a carrier licensed in Florida and maintain coverage throughout your RV’s state registration period, even if you travel outside Florida or if the vehicle becomes inoperable.

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Is RV insurance required in my state?

Types of RV insurance available in Florida

Choosing the right coverage is the first step toward securing your RV insurance. Coverage options can vary between insurers, so it’s important to understand the different types available.

Here are common RV insurance coverages and what they include:

• Collision: Covers damages to your RV if you’re involved in an accident, regardless of fault.
• Comprehensive: Protects against damages not caused by collisions, such as weather events, theft, or vandalism.
• Liability: Pays for injuries and property damage you cause to others in an accident. It may also cover legal expenses if you are sued.
• Full-timer: Designed for those who live in their RVs full-time, this coverage is similar to homeowners insurance, protecting your RV and personal belongings.
• Vacation coverage: Provides protection while you travel. Similar to this, Mexico insurance covers repairs and damages when you are across the border.

These coverages are the most common, but many insurers offer additional options. You can customize most policies to fit your budget and travel needs, ensuring you have the protection necessary for your RV lifestyle.

What influences the cost of RV insurance?

The premium you pay for your RV insurance policy depends on several factors, including the type of RV you own, its make, model, age, and more.

Here are elements that will influence your insurance cost:

• Type of RV: The vehicle type affects your premium. More expensive RVs tend to command higher premiums.
• Coverage type: The extent of coverage you choose influences the cost. Comprehensive coverage for a wide range of emergencies will cost more than basic coverage.
• Use: How often you use your RV matters. Full-timers will pay higher premiums than occasional users.
• Deductible: Lower deductibles result in higher premiums because the insurer covers more of the damage costs. Higher deductibles reduce your premium.
• Age and mileage of RV: Older RVs and those with higher mileage are more prone to breakdowns, which can make them more expensive to insure.
• Driving record and insurance claim history: Drivers with more claims or accidents on their records will face higher premiums than those with clean records.

Your rates will also vary based on the insurance company you choose. To get the best deal, consider quotes from at least three insurers. Use our guide to the best RV insurance companies to start comparing options today.

Recap of Florida RV insurance companies

Company	Replacement cost?	Storage discount?
Good Sam	✅	✅
National General	✅	✅
Progressive	✅	❌