recreational vehicle on scenic road representing RV insurance protection from McGriff-Williams Insurance

Florida RV Insurance for Motorhomes and Travel Trailers

From McGriff-Williams Insurance, an independent agency serving North Central and Northeast Florida.

An RV is part vehicle, part home away from home. RV insurance provides coverage for both sides of that: the road and the campsite. Whether you take a few weekend trips a year or live on the road full time, the right policy depends on what kind of RV you have and how you use it.

Motorhomes vs. Towables

Florida law defines RVs built as temporary living quarters for recreation, camping or travel as a type of motor vehicle and lists several kinds. They fall into two groups:

Motorized RVs: motor homes, private motor coaches (built on a bus chassis), van conversions and truck campers.
Towable RVs: travel trailers, fifth-wheel trailers, camping trailers (with fold-down sides) and park trailers.

You’ll also hear industry labels for motorhomes. They aren’t legal terms, but they’re useful:

Class A: conventional motorhomes and bus conversions
Class B: camper vans
Class C: mini motorhomes

The difference matters for insurance. A motorhome is a vehicle you drive, so it needs driving coverages. A travel trailer is towed, so its coverage works differently.

What Florida Requires

Motorhomes. To register a motorhome in Florida, you must carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Bodily injury liability isn’t required to register, but if you cause a crash that injures someone, Florida’s financial responsibility law applies. That can mean license and registration suspension unless you had at least $10,000/$20,000 in bodily injury and $10,000 in property damage coverage.
Travel trailers and other towables. Florida doesn’t require proof of insurance to register a trailer. If you cause an accident while towing, your liability coverage generally comes from the auto policy on the vehicle doing the towing, so make sure those limits are high enough. Liability while the trailer is parked at a campsite is a separate question; ask us about vacation liability. Coverage for damage to the trailer itself is optional under state law, though lenders usually require it.

Everything else on an RV policy is optional under Florida law, but much of it is worth a close look.

What RV Insurance Can Cover

Availability, limits and eligibility vary by insurance company. An RV policy can include:

Liability (motorhomes). Injuries and damage you cause while driving your motorhome.
PIP and property damage liability (motorhomes). Required to register a motorhome in Florida.
Uninsured/underinsured motorist. Your injuries caused by a driver with no insurance or not enough.
Medical payments. Usually offered on motorhomes. Some insurance companies don’t offer it on travel trailers.
Comprehensive and collision. Physical damage to your RV. Comprehensive includes storms, falling objects, fire and theft.
Total loss replacement. If a newer RV is totaled, some policies replace it with a new one of similar make and class, or pay the original purchase price. This is usually limited to new RVs and original owners.
Agreed value. A value you agree on up front, paid on a total loss without depreciation.
Personal effects. Your belongings inside the RV, such as electronics, cookware and clothing. Some policies pay replacement cost.
Vacation liability. Injuries or damage at your campsite while the RV is parked and used as a temporary vacation residence, or while it’s stored.
Emergency expense. Lodging, meals and transportation when your RV is disabled far from home, or when an evacuation leaves you unable to use it.
Roadside assistance. Towing and on-site help sized for an RV.
Loss assessment. Your share of an assessment charged by an RV park or campground association.

Do You Live in Your RV?

If your RV is your primary home, tell us. A standard RV policy may exclude or limit coverage when the RV is a primary residence. Full-timer coverage is built for people who use their RV as their primary residence. It adds homeowner-style protection, such as personal liability for accidents in and around your RV and medical payments to others. If you live on the road, ask us about it.

Hurricane Season and Your RV

Florida RV owners have one more reason to read their policy before June 1. Emergency expense coverage that responds to evacuations can help pay for a place to stay and meals if a storm forces you out. Also keep in mind that many insurance companies won’t start new coverage, or increase existing coverage, once a tropical storm or hurricane watch or warning is issued for your area. Set up or update your coverage well before a storm.

Park Models and Stationary RVs

Florida law treats a park trailer as its own category, and some RV policies exclude park models, permanently stationary trailers and stationary motorhomes. If your RV stays in one place, talk to us before you assume a standard RV policy fits. We’ll help you find the right kind of coverage.

Discounts

Ask us about available discounts. Options vary by insurance company.

Frequently Asked Questions

Do I need insurance to register a travel trailer in Florida?

No. Florida doesn’t require proof of insurance to register a trailer. If you cause an accident while towing, liability generally comes from the auto policy on your tow vehicle. Your lender may require physical damage coverage on the trailer itself.

What insurance does Florida require for a motorhome?

At least $10,000 in PIP and $10,000 in property damage liability to register it. Bodily injury liability is strongly worth considering, because Florida’s financial responsibility law applies if you cause a crash that injures someone.

I live in my RV full time. Is a regular RV policy enough?

Often not. A standard policy may exclude or limit coverage when the RV is your primary residence. Full-timer coverage adds homeowner-style liability protection for people who live in their RV.

Will my RV policy help if I have to evacuate for a hurricane?

Some policies include emergency expense coverage that responds to evacuations. We’ll check whether yours does.

Talk With Us About Your RV

Questions about your motorhome or travel trailer? Call McGriff-Williams Insurance at (352) 371-7977 or request a quote. We’ll explain what you have, what’s missing and what fits the way you travel.

Statements on this website provide general information only as it relates to policies and coverages. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Please contact one of our licensed agents for questions regarding your specific needs and policy.