Own an RV, or are considering purchasing one? Congratulations! Traveling the state, not to mention the country, is the American dream for many folks. Now it’s time to take away the risk of spoiling that dream with a costly accident or fines from getting caught driving an RV without insurance.
If you live in the FL area, here’s what you need to know about local RV insurance requirements:
At Morgan Insurance Services, we work with local clients to make sure they have coverage that meets state requirements. So, what does the law have to say?
Here in the Sunshine State, all RV drivers must carry a policy with both bodily injury coverage and property damage coverage. The exact amount of coverage you need will depend on several factors, including the type of RV you own and where you plan on taking it.
Even though Florida is practically a paradise for RV owners, it’s not uncommon to drive it out of state or even across the country. If you plan to do so, however, it's essential to realize that Florida's coverage minimums for RVs are actually lower than those in a lot of states. If you get in an accident elsewhere, a bare minimum Florida insurance policy may not cover everything. This is why it is crucial to take a realistic look at your RV plans and act accordingly.
Now, if you tow your RV (in this case, it’s usually referred to as a “camper”), you are not legally required to have insurance on it. That said, reach out to us at Morgan Insurance Services to learn more about other coverage options you should consider in order to make sure your valuables are protected.
Have other questions or want to get started on an excellent RV insurance policy? Drop by our FL offices during business hours, or give us a call. We look forward to helping you achieve your RV traveling goals!