Recreational Vehicle Insurance in Florida

Florida’s warm climate, beautiful coastlines, and expansive RV parks make it one of the most popular destinations for recreational vehicle (RV) owners. From luxury motorhomes in Tallahassee to pop-up campers in St. Augustine and toy haulers in Jacksonville, every type of recreational vehicle comes with its own set of risks — and therefore, its own insurance needs. Whether you're a full-time RV resident, a seasonal traveler, or a weekend warrior, having the right insurance coverage is essential for protecting your investment and complying with Florida laws.

Types of Recreational Vehicles That Need Insurance

Recreational vehicles come in many shapes and sizes, each with specific features and uses. Common types include:

  • Class A Motorhomes – Large, bus-style RVs that often serve as full-time residences.

  • Class B Motorhomes – Also known as camper vans; smaller and more fuel-efficient.

  • Class C Motorhomes – Mid-sized RVs with a cab-over design.

  • Travel Trailers – Towable units that come in various sizes.

  • Fifth-Wheel Trailers – Large trailers that hitch into the bed of a pickup truck.

  • Pop-Up Campers – Collapsible trailers that offer lightweight convenience.

  • Truck Campers – Slide-in units mounted onto a pickup truck.

  • Toy Haulers – Hybrid trailers that combine living space with a garage for ATVs or motorcycles.

  • Park Models & Destination Trailers – Semi-permanent units designed for long-term stays at RV resorts or campgrounds.

No matter the type, insuring your RV in Florida ensures you’re protected on the road, in campgrounds, and against natural hazards unique to the state.

Is RV Insurance Required in Florida?

In Florida, insurance is required for motorized RVs (Class A, B, and C), just like any standard vehicle. The minimum legal requirements are:

  • $10,000 Personal Injury Protection (PIP)

  • $10,000 Property Damage Liability (PDL)

Towable RVs like travel trailers and fifth wheels are not required to carry separate liability insurance, but damage and theft are still major concerns. While your auto policy may provide limited coverage while towing, comprehensive RV insurance offers broader protection.

Key Insurance Coverages for All Types of RVs in Florida

Regardless of RV type, here are essential coverages to consider:

1. Liability Insurance

Protects you if you cause injury or damage to another person or their property. Higher liability limits are recommended for larger RVs that can cause significant damage in accidents.

2. Collision Coverage

Pays for damage to your RV if you're involved in a traffic accident — regardless of who is at fault.

3. Comprehensive Coverage

Covers non-collision events like theft, fire, vandalism, falling objects, and Florida-specific risks such as hurricanes, hail, and flooding.

4. Uninsured/Underinsured Motorist Coverage

Helps cover your medical and repair costs if you're hit by a driver without enough insurance — particularly useful in Florida, which has a high rate of uninsured drivers.

5. Personal Property Coverage

Essential for RVs used as temporary or full-time residences. This covers belongings inside your RV, such as electronics, furniture, and clothing.

6. Full-Timer Coverage

Acts like homeowners insurance if you live in your RV year-round, covering personal liability, medical payments, and loss of use.

7. Vacation Liability

Provides protection while your RV is parked and used as a residence — especially important in Florida’s busy RV parks and campgrounds.

8. Emergency Expense Coverage

Covers lodging, meals, and transportation if your RV becomes uninhabitable while on the road.

9. Roadside Assistance

Helps with towing, tire changes, fuel delivery, and other roadside emergencies — a must-have for RVers exploring Florida’s rural or coastal areas.

Florida-Specific Risks for RV Owners

Florida presents unique challenges for RV owners:

  • Hurricane Season (June–November): High winds and flooding can cause major damage to RVs.

  • Flooding: Many low-lying areas in Florida are flood-prone.

  • Humidity and Mold: Florida’s climate can lead to mold, mildew, and water damage if an RV isn’t properly maintained.

  • Theft and Vandalism: Popular tourist areas can be targets for property crimes.

Make sure your RV insurance policy includes comprehensive protection and review any exclusions related to these hazards.

Owning a recreational vehicle in Florida offers freedom, flexibility, and adventure — but it also comes with responsibilities. The right RV insurance policy protects your vehicle, your personal property, and your financial future. Whether you own a motorhome in Tallahassee, a trailer in St. Augustine, or a toy hauler in Jacksonville, comprehensive coverage tailored to your lifestyle ensures you can travel Florida’s highways, beaches, and parks with peace of mind.

Before hitting the road or setting up camp, give us a call to talk about your options and make sure your coverage matches your RV type, usage, and location.  (904) 593-7002