Are you a proud RV owner in the sunny state of Florida? Whether you’re hitting the road for a weekend getaway or embarking on a full-time adventure, it’s essential to have the right insurance coverage. In this article, we’ll explore the various RV insurance coverages available in Florida, answer some frequently asked questions, and provide insights into how RV insurance rates are calculated.
Florida RV Insurance Coverages
Bodily Injury and Property Damage Liability Coverage
While not required in Florida, bodily injury coverage helps cover another person’s medical expenses resulting from a motor vehicle accident for which you’re liable. Property damage liability coverage, on the other hand, helps pay for the cost of repairing or replacing another person’s property if it’s damaged in an accident for which you’re responsible.
Comprehensive and Collision Coverage
Comprehensive and collision coverage are typically included in all travel trailer policies. Although not mandatory by law, they are generally required by your lender if you finance or lease a motorhome or travel trailer.
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Comprehensive coverage can pay for damages resulting from events out of your control, such as fire, theft, vandalism, glass breakage, weather-related issues, and collisions with animals.
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Collision coverage may pay to repair or replace your RV if it collides with an object, such as another vehicle, guardrail, or fence.
What if I Live in my RV Full-Time?
If you live in your RV full-time, you may require additional coverage beyond what a recreational RV policy offers. A full-timers policy can provide protection if your RV is also your primary residence and includes the following coverages:
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Personal liability: Liability coverage on a full-timers policy can protect you against liability claims, even while your RV is parked.
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Medical payments: If someone hurts themselves in or around your RV, medical payments coverage may pay for their medical bills.
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Loss assessment: Loss assessment coverage can pay for any fees charged for repairs by local associations.
Other RV Coverages Available in Florida
Progressive offers a wide range of RV insurance coverages to suit your needs. Here are a few additional coverages you might consider:
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Total loss replacement: This coverage covers the cost of a new motorhome or travel trailer if yours is totaled, provided the vehicle is less than five years old. After that point, the coverage pays the amount specified on your policy.
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Roadside assistance: This coverage covers the cost of a tow if your battery dies, you get a flat tire, or experience a breakdown for another reason.
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Replacement cost/personal effects: This coverage pays for the repair or replacement cost of your belongings if they’re damaged in a covered event.
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Emergency expense: This coverage pays up to $750 for hotel and travel costs if your RV breaks down more than 50 miles from home.
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Pet coverage: This coverage covers vet bills up to $1,000 if your furry friend is hurt in an accident.
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Pest damage protection: This coverage can help pay for repairs when a wild animal, such as a bird or raccoon, damages your RV.
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Roof Protection Plus®: This coverage can pay to replace or repair the damaged roof of your motorhome, even if the damage is the result of normal wear and tear.
To learn more about all the available RV insurance coverages, reach out to your insurance provider.
FAQs
Q: How much is RV insurance in Florida?
A: Florida RV insurance rates are impacted by various factors, including the type and model of your RV, your claims history, and your driving record. Larger, newer RVs generally cost more to insure, and motorhomes typically have higher premiums than travel trailers and pop-ups.
Q: Are bodily injury and property damage liability coverages required in Florida?
A: While not mandatory in Florida, having bodily injury and property damage liability coverages is strongly recommended, as they protect you financially in case of an accident for which you’re deemed liable.
Q: Do I need comprehensive and collision coverage?
A: Comprehensive and collision coverage are not legally required in Florida, but if you finance or lease your RV, your lender will likely require them.
Q: Can I get coverage if I live in my RV full-time?
A: Yes, by obtaining a full-timers policy, you can ensure that your RV and your primary residence are adequately protected. This policy offers additional coverages, such as personal liability and loss assessment.
Conclusion
As an RV owner in Florida, having the right insurance coverage is crucial to protect yourself, your RV, and your financial well-being. Consider the coverages mentioned in this article and reach out to your insurance provider to tailor a policy that meets your specific needs. Safe travels!
