RV Insurance in Florida
Florida’s year-round sunshine makes the state a playground for recreational vehicles of every size—from nimble camper vans to luxury Class A coaches. The right RV insurance keeps both your rolling home and your adventures protected.
Which RV Fits Your Lifestyle?
Towable RVs
Conventional travel trailers
Fifth-wheels and toy haulers
Lightweight pop-ups and folding campers—many now light enough for a midsize SUV or family car
Motorized RVs
Class A: Up to 45 ft, slide-outs, residential amenities
Class B (Camper Vans): Compact, easy to park, budget-friendly
Class C: Mid-sized with over-cab sleeping space; some offer slide-outs and can sleep up to eight
Park Model RVs
Designed to remain at one site season-long; feature full-size appliances and a cottage-style layout.
Core & Optional Coverages
| Coverage | Ideal For | What It Protects |
|---|---|---|
| Liability | All RVs | Injuries or property damage you cause while driving or parked |
| Collision & Comprehensive | Towable and Motorized | Repairs after crashes, storms, fire, theft, or vandalism |
| Vacation Liability | Full-time or stationary use | Guests injured at your campsite or inside the RV |
| Personal Effects | Travelers carrying valuables | Replacement cost for electronics, sports gear, clothing, and more |
| Emergency Expense | Road trippers & full-timers | Hotel, meals, and transport if a covered loss leaves you stranded |
What Drives the Cost?
Storage location and annual mileage
RV class, length, and engine size
Driver experience and claims history
Credit profile, homeownership, and multi-policy discounts
Because insurers weigh these factors differently, premiums vary widely.
Get an RV Insurance Quote Today
Our independent agency compares Florida’s leading RV insurers to secure the best blend of coverage and price. Call or click now, and head out on your next road trip with confidence.
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