RV & Motorhome Insurance in Orlando, FL
Some Things to Consider When Shopping for Recreational Vehicle Insurance
RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
Liability coverage: provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.
You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss.
Options Tailored to Your Needs Can Include
Stated Value: Market value/actual cash value of the RV.
Agreed Value: The insured amount, regardless of the current market value.
Replacement Cost: you will have your insured RV replaced with a new RV that is most like it.
Vacation Liability Coverage: Consider this coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
Personal Effect Coverage: When this coverage is selected it provides replacement cost for damage or loss to items normally used with your RV.
Some policies include Roadside Assistance, which covers you 24/7 in the event of a breakdown or accident. Some policies may even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.
Other Additional Coverage Can Include
Accident Forgiveness
Pet Coverage
Diminishing Deductible
And More
RV & Motorhome Insurance in Florida
Florida is the #2 state in the country for RV ownership — and with year-round sunshine, world-class campgrounds, and easy access to the Keys, the Gulf Coast, and the Panhandle, it's easy to see why. But your RV is more than a vehicle — it's a home on wheels, and it needs coverage that reflects that.
Standard auto insurance doesn't adequately cover RVs and motorhomes. A dedicated RV policy covers the vehicle, your personal belongings inside, liability, and even full-timer coverage if you live in your RV year-round.
Types of RVs We Insure
- Class A, B, and C motorhomes
- Travel trailers and fifth wheels
- Pop-up and folding campers
- Toy haulers
- Truck campers
- Van conversions (Sprinter, Transit, etc.)
What RV Insurance Covers
- Liability — Covers injuries and property damage you cause while driving your RV.
- Collision & comprehensive — Covers damage to your RV from accidents, theft, weather, and vandalism.
- Personal belongings — Covers contents inside your RV (electronics, furniture, clothing, kitchen equipment).
- Vacation liability — Covers liability claims while your RV is parked at a campsite.
- Full-timer coverage — If your RV is your primary residence, this provides homeowners-level protection.
- Roadside assistance & towing — Critical for large motorhomes that regular tow services can't handle.
Frequently Asked Questions
Do I need RV insurance in Florida?
If your RV is motorized (Class A, B, or C), Florida requires the same minimum liability coverage as any motor vehicle. Towable RVs (travel trailers, fifth wheels) aren't required to carry separate insurance, but your tow vehicle's policy usually doesn't cover the trailer's contents or liability at a campsite.
How much does RV insurance cost?
RV insurance costs $500-$2,500/year depending on the RV type, value, usage (occasional vs. full-time), and coverage limits. Full-time RV policies cost more because they replace homeowners insurance.
Can I get RV insurance for just part of the year?
Some carriers offer seasonal or storage policies with reduced premiums during months your RV isn't in use. We can help you find a policy that matches your actual usage pattern.
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