RV Insurance

Finding the right RV insurance is essential for protecting your motorhome, camper, travel trailer, or horse trailer. At Florida Insurance Agency, we help you compare coverage options, understand your policy, and choose the protection that fits your lifestyle. Whether you’re a weekend traveler or on the road all year long, our team ensures that your RV policy meets your needs from day one.

Comprehensive RV Protection

RV insurance for personal, recreational vehicles can provide coverage for up to 250 days per year—perfect for extended vacations, winter travel, or long-distance adventures. Standard liability coverage helps protect you against bodily injury and property damage, while additional protections such as medical payments and uninsured motorist coverage vary by state.

RV Insurance Settlement Options

With an RV policy, you can often choose how your Comprehensive or Collision losses are settled. Options may include:

• Stated Value – the actual cash or market value of your RV
• Agreed Value – a set insured amount, regardless of market changes
• Replacement Cost – replaces your RV with a new model of similar kind and quality

These flexible options ensure your RV insurance works the way you expect after a total loss.

Vacation Liability & Personal Effects

When using your RV as a temporary residence, RV insurance may offer Vacation Liability coverage. Many policies also provide Personal Effects Coverage, which reimburses you for damage or loss of items typically kept in your RV.

Roadside Assistance & Extra RV Coverage

Roadside assistance can help you 24/7 if your RV breaks down or you’re involved in an accident. Some plans offer add-ons like lodging, transportation, meals, accident forgiveness, diminishing deductibles, and pet coverage—giving you more peace of mind on the road.

RV Insurance Discounts

You may qualify for savings like safe driver discounts, original owner discounts, or multi-policy savings when you bundle your RV insurance with home, auto, motorcycle, or boat coverage.

For general RV safety tips, you can also visit the National Highway Traffic Safety Administration website for helpful travel information.

Talk to an RV Insurance Expert

Ready to learn more about your RV policy options? Request a quote or contact an expert today. Our team is here to help you compare plans and find coverage that matches your budget and travel needs.