Why should you have RV insurance?

Do you own a Class A motorhome, a 5th wheel, or a bumper pull camper? Do you have insurance on your RV?

No matter what the value is on your RV, insuring your investment is extremely important if you plan on leaving your yard with it. RV insurance covers damages that could happen to your RV as well as liability for injuries or property damage you cause while using your RV (or towing it down the road). While in some states it’s not legally mandated that you carry RV insurance, in the State of Florida, it is. The state requires owners to carry a minimum value of $10,000 in Personal Injury Protection, also known as PIP, and a minimum of $10,000 in Property Damage Liability (PDL) coverage. Some policies offer coverage for personal belongings inside an RV, such as electronics, sports equipment, and other items of value.

What is PIP?

Regardless of who is at fault, Personal Injury Protection helps pay for your medical expenses after the accident.

What is PDL?

If you are at fault in an accident, Personal Damage Liability (PDL) covers damage to another person’s property, such as their vehicle.

If I live in the State of Florida, how does the state know if I have insurance or not on my recreational vehicle?

When you visit a Florida tag agency to register your RV, you must show proof of insurance. You will not be able to register your RV without insurance.

I live in my RV full-time, does that affect my insurance?

Florida RV parks are home to many full-time recreational vehicle owners, particularly during the winter months. Insurance coverage beyond Florida’s minimum requirements may be necessary for full-time living. You may want to consider specific coverage options as you are using your RV for full-time living versus those using theirs for purely recreational use. It’s best to give our Altamonte Springs insurance agency a call at 407-644-9991 so we can discuss further with you.

What is the average cost of insurance on an RV?

On average, you may find RV insurance costs between $500 to $1500 for an annual policy. Depending on the type of coverage you need, your policy may cost more. There are several factors that can influence the cost of your RV insurance policy. Some of those factors include:

• The type of RV you own – do you own a motorhome, a Class A, a pop-up, or a tow-behind travel trailer?

• How often do you use your RV? Full-time living may require a higher premium

• Driving history – how good is your driving history? Have you had a series of tickets? Have you been charged with reckless driving?

• Location – where do you store your RV? Some areas experience higher accident or theft rates, which can affect your insurance policy rate. If you store your RV at a public storage facility, we recommend looking at the security of the area.

• Age of your RV and its condition – Older RVs may be a gamble as well as the less maintained ones; therefore, your insurance premiums may be more expensive compared to a policy for a better maintained unit.

• RV value – the value of your RV definitely comes into play when considering insurance. If you have a fairly new RV, your premiums may be higher compared to an older RV due to the replacement value cost.

So much to consider, and all you want to do is go camping! Our team at Brockman Insurance Group understands. We invite you to call our Altamonte Springs Insurance agency at 407-644-9991 for more information. We would be more than happy to discuss RV insurance, how a recreational vehicle policy works, how much insurance costs on a Class A motorhome, and any other questions you may have on how RV insurance works.

In addition to offering RV insurance, we proudly serve the Seminole County community to offer homeowners insurance, auto insurance, boat insurance, coverage for motorcycles, condo insurance, renters insurance, and umbrella insurance.

If you are looking for an insurance carrier in Longwood, Maitland, Altamonte Springs, Lake Mary, Sanford, Oviedo, Winter Park, Orlando, or Winter Springs, we invite you to call us. We are happy to discuss new policies as well as do a policy review to ensure you have the right coverage.