What You Should Know About Florida RV Insurance

What You Should Know About Florida RV Insurance

February 04, 2021

Recreational Vehicles (RVs) are a popular means of vacationing. The homely feel of a motorhome or travel trailer coupled with the benefits of mobility have made RVs a popular purchase across the state. While many industries struggled during the COVID-19 pandemic, RV sales and rentals experienced a significant uptick. With so many new RV owners on the road, it is important to understand how RV insurance differs from traditional home and auto insurance, as well as how to secure an affordable RV insurance in Florida.

How COVID-19 Impacted RV Sales

The COVID-19 pandemic has changed the way businesses operate and altered consumer behavior. By now, most people have grown accustomed to masking requirements, curbside pickup, and reduced indoor capacity. With many indoor activities limited or closed, the pandemic has made more people to turn to nature. Outdoor activities, such as hiking and camping, are considered safer as they allow for social distancing guidelines and help reduce stress.

More Americans are working from home than ever before. With so many spending more time inside their own homes, it is not surprising that people across Florida and the nation are looking to get outside whenever possible. No longer being tied to a daily commute or physical office location has also enabled many employees to work and travel simultaneously. Recreational vehicles essentially allow employees to bring their office on the road, and live closer to nature.

What is Unique about RV Insurance

With so many first-time RV buyers, interest in RV insurance has followed suit. What many new owners may have been unaware of, is that there are a few different insurance types to consider depending on a variety of factors, including:

  • If you will be driving or pulling your RV
  • How often you use your RV
  • Using your RV as permanent residence
  • The value of your personal effects
  • Travelling with pets
  • If you require roadside assistance

As you would expect, there are numerous add-ons to choose from. Ultimately, the cost of your coverage will depend on a combination of the listed factors. RVs can be an expensive investment, with price tags ranging between tens to hundreds of thousands of dollars. Depending on your vehicle and usage, you can benefit from consulting with an experienced insurance agent to make sure that vehicle and passengers are adequately protected.

Motorhomes and Trailers

As the name implies, motorhomes are motorized vehicles whereas trailers need to be towed by another vehicle. As such, motorhomes must follow the state minimum for liability, comprehensive, and collision like a regular automobile. Trailers, on the other hand, are not subject to insurance minimums. Truck campers, which are camping units that can be attached to the bed of a regular pickup up truck, also require no additional insurance policies in addition to the existing auto insurance.

Mandatory state minimums on property damage and personal injury protection exist to protect you and other drivers on the road. However, insuring your RV against loss, as well as your personal property against theft or vandalism, is up to you. Working remotely, many are likely to transport expensive computers and cell phones for work. In these cases, a replacement cost personal effect policy can help protect your valuables.

To some, an RV is a “home away from home”, whereas others occupy it as a full-time residence. Regardless, RV-owners face the same problems as homeowners in terms of natural disasters, pests, and normal wear and tear. In these cases, it is possible to get additional coverages that protect your vehicle, such as pest damage protection and additional roof protection.

Get the Right RV Insurance in Florida

Whether you are a first-time RV owner, or a seasoned camper looking for better or more affordable coverage, Family Insurance Services can help. Get peace of mind knowing that you can enjoy your RV to its fullest without worrying about damages or loss. Contact us to today to get a free quote on your tailored RV insurance policy.