Meet John and Susan, an adventurous couple from Florida who recently purchased their dream RV. Excited to explore the open road, they spent weeks researching the best RV routes, campsites, and destinations to visit. As they prepared to hit the road, they realized their current Florida RV insurance policy might not provide sufficient protection for their travels.

In this blog post, we’ll follow John and Susan as they learn about the different coverage types available for their Florida RV. We’ll explain why insurance coverage is essential for RV owners, provide a detailed overview of the different types of coverage available, and offer valuable tips to help you choose the right coverage options for your specific needs and budget.

If you have questions about Florida RV insurance, choose a licensed professional RV insurance agent serving Boca Raton and the surrounding areas familiar with the various types of coverage available to RV owners.

Don’t risk being underinsured or paying for unnecessary RV coverage. Call The Gordon Agency at (561) 988-3330 to speak with an RV insurance broker. We’ve got you covered!

The Importance of Florida RV Insurance

As John and Susan quickly realized, having adequate insurance coverage for your RV is crucial for protecting yourself, your vehicle, and others on the road. RVs are often large vehicles with complex and sophisticated systems designed to provide comfort, convenience, and safety. These systems include electrical, plumbing, heating and cooling, multimedia, and safety systems, among others.

Without the right insurance coverage, an accident or damage to your RV could leave you with significant financial losses, medical bills, and even legal issues. Having the right RV insurance coverage provides protection from a range of risks and hazards.

Overview of Florida RV Insurance Coverage Types

When it comes to RV insurance coverage in Florida, there are several different types available, including:

Personal Injury Protection Coverage

Personal Injury Protection (PIP) coverage is mandatory in Florida and covers 80% of all necessary and reasonable medical expenses in the event of an accident, regardless of who is at fault. The minimum PIP coverage requirement in Florida is $10,000.

Property Damage Liability

Property Damage Liability (PDL) coverage pays for damage to another person’s property caused by you or someone else driving your RV. Like PIP coverage, the minimum PDL coverage requirement is $10,000.

Collision Coverage

Collision coverage pays for damages to your RV resulting from a collision with another vehicle or object, regardless of who is at fault. This coverage is not mandatory in Florida, but we highly recommend it, especially if you have a new or expensive RV. Collision coverage will pay for repairs or replacement of your RV up to the vehicle’s actual cash value.

Comprehensive Coverage

Comprehensive coverage protects your RV against non-collision incidents like theft, fire, vandalism, or natural disasters. This coverage is not required in Florida, but we also highly recommend it, especially if you store your RV in an area prone to theft or natural disasters. Comprehensive coverage will pay for repairs or replacement of your RV up to the actual cash value of the vehicle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver without insurance or insufficient coverage to pay for the damages. This coverage is also not mandatory in Florida, but we highly recommend it, especially if you frequently travel to other states where minimum insurance requirements may be lower than in Florida.

Roadside Assistance Coverage

Roadside Assistance coverage provides assistance when your RV breaks down while on the road. This coverage includes services such as towing, fuel delivery, tire changes, and lockout assistance. Roadside Assistance coverage is not mandatory in Florida, but we also recommend it, especially if you frequently travel long distances in your RV.

Additional Coverage Options

Depending on your needs, consider these additional coverage options:

  • Vacation Liability Coverage: This coverage provides liability coverage when you are parked and using your RV as a temporary residence (also known as campsite coverage).
  • Personal Effects Coverage: This coverage pays for damages to personal belongings inside your RV, such as electronics, clothing, and other personal items.
  • Full-Timer Coverage: This coverage is designed for people who use their RV as a permanent residence and provides comprehensive coverage for all types of losses.
  • RV Custom Equipment Coverage: This coverage provides additional coverage for any custom equipment or accessories permanently attached to your RV.
  • Emergency Expense Coverage: This coverage covers unexpected expenses that may arise while traveling in your RV, such as lodging or transportation costs due to a breakdown or accident. This coverage can also include reimbursement for meals and other living expenses incurred while the RV is undergoing repairs.
  • Pet Coverage: If you’re traveling with pets, consider adding this coverage to your policy. If your pet is injured while traveling with you, this coverage can help cover their medical expenses. This can provide peace of mind and financial protection for pet owners who want to take their furry friends on the road with them.

Tips for Choosing the Right Coverage Options for Your RV

When choosing the right coverage options for your Florida RV, there are several things to keep in mind.

Assess Your Needs

The first step is to assess your needs. Consider the type of RV you own, how often you use it, and how much you can afford to pay for insurance premiums.

Research Different Insurance Providers

Once you have a clear idea of your needs, it’s time to research different insurance providers. Don’t settle for the first provider you come across. Instead, shop around and compare quotes from different companies to find the best coverage and rates for your needs.

Not all providers are the same. Choose an insurance agency in Boca Raton familiar with the various types of coverage available to Florida RV owners.

Read the Fine Print

Before choosing an insurance policy, make sure to read the details of each policy carefully. Understand the specific coverage and limitations of each option. Don’t be afraid to ask questions.

Consider the Total Cost of Coverage

Don’t just look at the premium cost when choosing RV insurance coverage. Consider the total coverage cost, including the premium cost, deductibles, and any out-of-pocket expenses. Ensure that your coverage fits your budget and provides the necessary protection.

In the end, John and Susan learned that having the right insurance coverage for their RV was crucial for protecting their investment and enjoying their travels without worry.

So, whether you’re a full-time RV enthusiast or a weekend warrior, don’t overlook the importance of comprehensive insurance coverage for your RV. With the right coverage, you can enjoy the freedom and excitement of the open road, knowing you’re protected from the unexpected.


Q: Does my RV insurance policy cover me if I drive outside Florida?

A: This will depend on the specific terms of your policy. Many RV insurance policies provide coverage for out-of-state travel, but it’s important to confirm with your insurance provider.

Q: Are there any discounts available for RV insurance in Florida?

A: Many insurance companies offer discounts for safe driving, multiple policies, and good student discounts.

Q: Can I add additional drivers to my RV insurance policy?

A: Many RV insurance policies allow you to add additional drivers. However, it’s important to notify your insurance provider to ensure all drivers are properly insured.

Q: Does my RV insurance policy cover me if I live in my RV full-time?

A: This will depend on the specific terms of your policy. If you live in your RV full-time, you may need to purchase additional coverage options, such as Full-Timer Coverage.

Q: Will my RV insurance policy cover me if I use my RV for business purposes?

A: This will depend on the specific terms of your policy. Some RV insurance policies may provide coverage for limited business use, while others may require you to purchase additional commercial insurance.

Q: Can I cancel my RV insurance policy at any time?

A: Yes, you can typically cancel your RV insurance policy anytime. However, you may be subject to cancellation fees or penalties.

Contact The Gordon Agency for Your Florida RV Insurance Needs

Don’t leave your RV insurance coverage to chance. Contact The Gordon Agency today to learn more about our services and get a quote for your Florida RV insurance needs. With our help, you can enjoy the freedom and excitement of the open road, knowing that you’re protected from the unexpected.

At The Gordon Agency, our experienced and licensed RV insurance agents can help you assess your Florida RV insurance needs, find the right coverage options, and provide valuable tips to help you make an informed decision.

Call us at (561) 988-3330 and let us customize a Florida RV insurance policy for you, or complete our online form to get a quote today! We’ve got you covered!

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The Gordon Agency Inc.
1825 NW Corporate Blvd Ste 110
Boca Raton, FL 33431
(561) 988-3330