Florida RV insurance helps keep you protected while you enjoy the year-round warm weather and scenic destinations. Whether planning a weekend getaway or embarking on a full-time RV lifestyle, securing the right insurance is essential.
Understanding the nuances of RV insurance can help you protect your investment and enjoy your travels with peace of mind.
In Florida, there are requirements for RV insurance. Just like with any other vehicle, you are required to carry a minimum amount of liability coverage – $10,000 for property damage and $10,000 for personal injury protection.
Given the unique nature of RVs, which serve as vehicles and homes, having more comprehensive coverage, while not required, is crucial in protecting against potential financial losses.
When you are looking for Florida RV insurance, there are several types of coverage you can get that fall outside the required amounts. Some include collision coverage, which pays for damage to your RV resulting from a collision. Comprehensive coverage covers non-collision incidents like theft, fire, vandalism, and natural disasters. Full-time coverage acts like homeowner’s insurance if you live in your RV full-time.
Where you travel and store your RV can impact your coverage costs and limits. Parking an RV in your driveway versus in a secure storage facility when not in use also has an impact, as one could mean a higher risk of theft and damage from weather.
The best way to understand all your Florida RV insurance options is to consult an independent insurance agent. They will also be able to help you find discounts through bundling coverage, safe driving records, and any other available options. They will also help you understand what coverage makes sense based on your unique situation. An independent insurance agency will also do the time-consuming work of comparing the offers from various companies.
Let our independent experts help you keep your RV insured against the unknown. At Domain Insurance, our goal is to get you the best coverage while within the needs of your budget. Contact us or call (239) 610-1116 to give yourself peace of mind today.
