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.
Those that are in the Tampa, FL area will quickly find that it can be a great place to live. When you are a resident in this part of the state, there are a lot of great activities and parks that are located nearby. To ensure that you can explore the whole state, investing in your own RV can be a great idea. With your RV purchase, you also need to choose a proper insurance plan. RV coverage will be required for a few reasons.
Coverage Complies with State Law
A reason that you will need to have this insurance is so you can comply with the state law. If you are going to operate any type of vehicle here, you will need to stay in compliance with the state’s liability insurance requirements. This requirement extends to RV owners, who will be appropriately covered by an RV insurance plan.
Coverage Protects Your Asset
You should also get an RV plan to protect your asset. If you are going to buy an RV, you will want to be able to use it for a long time. A way to ensure this happens is getting RV coverage, which offers you support to repair or replace the RV in the future if you incur certain types of loss.
Having RV insurance is going to be a necessity for practically anyone in the Tampa, FL area. If you are looking for a new insurance plan in this area, it would be a good idea to start your search by working with Morgan Insurance Services. The team with Morgan Insurance Services can give you the guidance that is necessary to evaluate all of your needs and options. With this support, you can be assured that you are able to choose a plan that is ideal for your situation.
A dependable RV gives you the peace of mind to enjoy the ride as you tour the world. However, there are a few need-to-know basics every RV owner should know. It would be best if you had more than RV insurance to stay safe on Tampa, FL roads, and other parts of the country. Morgan Insurance Services recommend being prepared for anything and balancing sensible safety with family fun. Here are a few tips.
Know how to use all the safety features in your RV
RVs come with many advanced safety features, and you may never know they exist until someone shows you how to use them. Talk to an RV expert to help you understand your RV better and learn to use every feature appropriately.
Never skip routine maintenance
Regular tune-ups keep your RV in stable condition for long and short trips. Never take a long trip without pre-trip maintenance. Your mechanic should inspect your tires, change the oil, inspect the belts and fire extinguishers and ensure they’re in their best condition.
Always have a backup plan
Whether you’re touring the cities around Tampa, FL or moving from one state to another, you should know what to do if something out of the ordinary happens. It feels nice to be in foreign places, but an unfamiliar environment can be potentially dangerous if you don’t have a backup plan. Do your homework early enough and know where hospitals, veterinary clinics, gas stations, and even grocery stores are located.
Practice simple safety precautions
Simple practices like locking the door properly, Closing the blinds, driving defensively, camping on safe campgrounds, checking the weather before heading out helps you stay out of trouble. If you travel alone, these safety practices are easy to get used to. But if you are traveling with your family, you may want to be extra careful.
Don’t forget to update your RV insurance. If you don’t have one yet, our skilled insurance agents at Morgan Insurance Services can help you acquire one that fits your style, comfort, and budget. Call us for a deal!
It’s summertime, and you’ve rented out a lot at the local campground site in Tampa, FL for your RV. You have RV insurance, so there’s no need to worry in case anything happens, right?
Well, campground insurance and RV park insurance differ from regular RV insurance. While recreational vehicles may be covered under your traditional auto insurance policy, it is best to have RV insurance anyway to help protect you from recreational vehicle or travel trailer risks in Tampa, FL.
RV coverage depends on you and your specific needs. Morgan Insurance Services’ RV insurance is made up of several types of coverage plans to help protect you and your RV from different risks and particular situations. Coverage in RV insurance include:
- Liability insurance – The state of Florida requires liability insurance for all registered vehicles.
- Comprehensive – Covers non-collision related incidents, such as fire or theft.
- Collision – Covers repairs or replacement of your RV after a collision.
- Vacation liability – Helps with the costs of others’ injuries or property damage.
- Roadside assistance – In case of mechanical issues on the road.
But what happens if you’re camping or you’re on vacation?
In the state of Florida, insurance companies can offer vacation liability. Just like standard RV liability insurance, vacation liability coverage helps with the costs of other’s injuries or property damage. However, this coverage is meant for only you when someone gets hurt, or property gets damaged due to your RV being used for vacation purposes, as opposed to being used on the road.
So, contact Morgan Insurance Services today and let us help you go on your next camping trip with a little more peace of mind!