Florida is one of the most popular states for RV owners, thanks to its warm weather, beaches, and numerous campgrounds. But owning an RV comes with financial risks, which is why RV insurance is so important. Whether you have a motorhome, camper, or travel trailer, here’s everything you need to know about RV insurance in Florida.
How much is RV insurance in Florida?
On average, RV insurance in Florida costs $800 to $1,500 per year for motorhomes. Smaller travel trailers or campers may cost as little as $250 annually. Costs depend on the RV’s value, usage, storage, and coverage limits.
What type of insurance is recommended for an RV?
The recommended insurance depends on your RV type and usage:
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Motorhomes (Class A, B, C) usually require liability, collision, and comprehensive coverage.
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Travel trailers are often covered under your auto policy, but additional coverage may be wise.
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Full-timers (living in your RV year-round) may need full-time RV insurance, which works like homeowners insurance for your vehicle.
What does RV insurance cover?
RV insurance typically covers:
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Liability coverage (injuries or property damage you cause)
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Collision coverage (damage from accidents)
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Comprehensive coverage (theft, fire, vandalism, storm damage)
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Medical payments (for you and your passengers)
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Personal belongings coverage (items inside the RV)
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Roadside assistance
Do I need RV insurance?
Yes, if you own a motorhome, Florida law requires at least liability insurance. If you have a towable trailer, it isn’t required by law, but lenders, campgrounds, or storage facilities may require proof of insurance. Even when not required, coverage is highly recommended.
Does RV insurance cover awning damage?
Yes, most comprehensive RV insurance policies cover awning damage if it’s caused by storms, accidents, or vandalism. Normal wear and tear is not covered.
Does RV insurance cover water damage and flooding?
Yes, if water damage is caused by a covered peril like a hurricane, storm, or flooding, RV insurance can help pay for repairs. However, gradual leaks due to poor maintenance are usually excluded.
Does RV insurance cover roof leaks?
It depends. If a storm or accident causes the roof leak, insurance will likely cover it. If the leak is from long-term wear, poor sealing, or neglect, it may be excluded.
Does it cover delamination?
Delamination (when fiberglass separates from the RV’s structure) is usually considered a maintenance issue and is not covered by standard RV insurance. Some policies may cover it if caused by an accident.
What are strategies for saving money on RV insurance?
To lower your RV insurance premiums:
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Bundle policies (auto, home, and RV) with one insurer
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Take an RV safety course
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Install anti-theft devices
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Choose a higher deductible
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Maintain a clean driving record
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Store your RV in a secure location when not in use
Which companies have the best rates for RV insurance in Florida?
Some of the most popular and affordable providers include:
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Progressive – Known for customizable RV coverage
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GEICO – Offers discounts for bundling
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State Farm – Strong customer service and flexible policies
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Allstate – Good roadside assistance options
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Good Sam Insurance – Designed specifically for RVers
What are the most common claims for RV insurance?
The most frequent RV insurance claims in Florida include:
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Storm and hurricane damage
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Theft or vandalism
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Accidents while driving or towing
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Awning and roof damage
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Water damage from leaks or flooding
Final Thoughts
RV insurance in Florida is not only about meeting legal requirements—it’s about protecting your investment and ensuring peace of mind on the road. With hurricanes, high traffic, and year-round travel, having the right policy is essential. Shop around, compare coverage options, and find the best fit for your RV lifestyle.