Florida Insurance Blog

How Much RV Insurance is Enough?

With beautiful beaches, spectacular year-round weather, and an abundance of natural oases, it is not surprising that Florida has so many RV owners. With RV ownership on the rise, you’ll want to be sure that your home away from home is adequately protected. Specific to Florida, RVs must carry liability coverage at the below minimum levels:

  • $10,000 Property Damage Liability
  • $10,000 Personal Injury Protection

These figures are the same for all vehicles in Florida, and given the size and challenges of driving an RV, they are likely to be far too low to offer adequate coverage should you be in an accident. Unlike many other states that require RV owners to carry bodily injury liability for third parties, Florida is a no-fault state, meaning that you cannot sue the other driver for medical payments or additional costs and vice versa. Consequently, personal injury protection insurance pays for the medical expenses associated with yourself and any passengers in the RV at the time of the incident. 

When it comes to how much insurance to purchase for your RV, you’ll want to consider how much it would cost to buy a new one and do typical repairs. Like auto insurance, coverage options for an RV include collision, comprehensive, and uninsured or underinsured motorists. Additionally, coverage can be purchased for items like roadside assistance, total loss replacement, full-timer’s liability, and vacation liability coverage. 

When it comes to insuring your RV, few offer more options or personalized services than Morgan Insurance Services in Tampa, FL. Our friendly and knowledgeable staff are veterans of the insurance industry and can help customize a policy that best meets your needs. Call us today to schedule a no-obligation consultation to learn more about our insurance products.