Recreational Vehicle Insurance in Fort Lauderdale, FL

Recreational vehicle (RV) insurance is a must-have financial product for RV owners. If you are involved in a highway collision or accidentally cause property damage or injuries while driving your RV, insurance may help cover the associated expenses. With this policy, you can rest easily by knowing you have a financial backup in case of unforeseen events.

Is RV Insurance Required?

Florida drivers must carry proof of financial responsibility, which typically means having insurance. The necessity of RV insurance varies based on the type of RV and its usage. You must have at least the minimum required liability coverage if you have a motorized RV, such as a motorhome or campervan. Towable RVs like fifth wheels or travel trailers typically do not need a separate policy from the towing vehicle unless mandated by a lender or RV park.

If you’re renting an RV, the rental company usually requires you to have insurance. Some companies include insurance in the rental agreement, while others may ask you to obtain a separate policy. Your personal auto insurance might have limited coverage for a rented RV, so it’s best to check before you travel.

Is an RV Covered Under Auto Insurance?

Most auto insurance policies do not provide coverage for recreational vehicles. While they may cover liability when towing a trailer, they typically do not cover damage to the RV itself or the personal items inside. An RV insurance policy is essential to fill these gaps.

How Much Is Coverage?

Like many types of insurance, your RV insurance premium will depend on factors such as the following:

• Location

• Type of RV

• Coverage options

• Deductible

• Driving record

Connect With an Agent

Are you looking for reliable RV insurance? Contact Hope Financial Depot today to learn more and obtain a personalized quote.