RV Insurance in Miami, FL

An RV is a vehicle and a home at the same time, and a standard auto policy does not do both jobs. RV insurance combines auto style coverage with protection for the living space, your belongings inside, and liability when the RV is parked and being used as a residence.

What rv insurance covers

• Liability, collision, and comprehensive
• Total loss replacement or agreed value on newer units
• Personal effects and attached accessories such as awnings and satellite dishes
• Vacation liability while parked at a campsite
• Full timer coverage if the RV is your primary residence
• Emergency expense and roadside assistance

What Florida owners should know

Motorized RVs registered in Florida must carry the same PIP and property damage minimums as a car. Travel trailers and fifth wheels are covered for liability by the tow vehicle's policy while being towed, but the trailer itself and its contents are not covered unless you add a policy for it. Storage in Florida during hurricane season is worth discussing; some carriers offer a reduced storage rate when the RV is not being driven.

Common questions

Do I need separate insurance for a travel trailer?

For liability while towing, no. For damage to the trailer itself, theft, or your belongings inside, yes.