Recreational Vehicle Insurance in Miami, FL
Owners of motorized recreational vehicles (RV) in Florida must carry proof of financial responsibility, which typically means having insurance. The state mandates having minimum levels of liability insurance to operate RVs legally. Towable RVs (like travel trailers and fifth wheels) don’t require insurance by law since they’re not self-powered. However, having coverage for them is still wise since they represent a significant investment. Also, if you have a loan on your RV, your lender will likely require full coverage regardless of state minimums.
What Does RV Insurance Cover? 
You can personalize your RV insurance policy by selecting various coverage options. Given the high value of most RVs and the potential costs of accidents, many owners opt for additional coverage. Common options include the following:
- Collision coverage may pay for repairs if your RV sustains damage in an accident.
- Comprehensive coverage may cover noncollision-related incidents like vandalism or theft.
- Bodily injury liability may pay for third parties’ medical costs after an accident involving your RV.
- Property damage liability may cover repair expenses if your RV or trailer damages someone else’s property, such as a vehicle or home.
- Medical payments coverage may cover medical expenses for you and your passengers after an accident.
Is My RV Covered Under My Auto Insurance Policy?
An RV typically needs a separate insurance policy, as standard auto insurance generally won’t cover the following:
- Living quarters and built-in appliances
- Personal belongings stored in the RV
- Emergency vacation expenses if your RV breaks down
- Specialized equipment like awnings or satellite dishes
- Full-time RV living situations
Some insurance companies might offer an endorsement to your auto policy for a small travel trailer or pop-up camper, but this is usually inadequate for larger RVs or motorhomes. If you want to add a small towable RV to your auto policy, you should ask your insurance agent what specifically would and wouldn’t be covered. You’ll almost always need a separate RV-specific policy for adequate financial protection for motorized RVs.
Secure a Policy Today
Find competitive rates and discounts on RV insurance with Miami International Insurance Agency. Our agents can guide you as you explore options and find your ideal policy. Contact us today.