Florida RV Insurance Savings In Florida

A Wide Variety of Insurance Coverage Including the Following

  • Class A Motorhomes Insurance Coverage
  • Class B Motorhomes Insurance Coverage
  • Class C Motorhomes Insurance Coverage
  • Travel Trailer Insurance Coverage
  • Fifth Wheels Insurance Coverage
  • And Much More!!!

Looking for Florida RV Insurance? Great Overland Insurance offers multiple ways to insure your Motorhome in Florida. There are hundreds of RV campgrounds and parks, that come with year round forecasts that are calling for warm temperatures and sunny skies, and this has caused Florida to become the RV enthusiasts paradise. When it comes to the popularity of owning an RV, it has increased, but so does the number of accidents that will happen and there is just one thing that can protect you and that is RV insurance. Before you begin searching for RV Insurance Quotes, there are a few things that you need to consider.

Facts and Figures

During a recent survey it was found that a family of 4 that uses a RV during vacation will save up to 59% on vacation costs. The following are some figures and facts that, according to market research and census data!
  • Almost 9 million families own a motorhome or RV.
  • RV ownership has increased to 60% since 1980.
  • RV owners will put on around 4500 miles on the RV every year.
  • RV owners will spend around 28 to 35 days inside of their RV.

Why is RV Insurance So Important?

Even though there is an RV for every budget and taste, even the most modest motorhomes aren’t exactly cheap. The prices for new RV’s will range between $5000 to $22,000 for a folding camping trailer; $6,000 to $60,000 for a truck camper; $9000 to $100,000 for a conventional travel trailer; $45,000 to $250,000 for a Type C motorhome; and between $60,000 to $500,000+ for the Type A motorhomes.

Even though a well-built Type A motorhome is great for straight roads, there are some that find the longer motorhomes to be harder to back-up and turn in close spaces. The width of the driving compartment will give a lot of RV drivers an issue when it comes to judging the right side clearance, which can cause an accident. Type A Motorhomes have a lot more structural issues than other RV’s, and the cockpit doesn’t really give much protection to the passenger or the driver in a collision.

Just one accident can cost thousands in repairs. Since people use their RV’s in a lot of different ways than just driving to their favorite vacation spot, motorhome insurance is vital to protect you, the owner, from all kinds of situations that could cost you a lot of money.


Ronald Jarvie is a Nationally Certified Insurance Counselor Agent Since 1995!

RV Insurance Requirements In Florida

If you happen to drive your RV, instead of towing it behind your truck, Florida state laws states that you have to have insurance on it. The minimum liability insurance requirements are below:

  • $10,000 in property damage liability for each accident
  • $10,000 in bodily injury liability for each accident for one person
  • $20,000 in bodily injury liability for each accident for all involved

It is vital that you remember that Florida happens to have some of the lowest minimum liability standards out of the US. You could find it necessary to carry additional coverage over the requirements, especially when you consider just how expensive an RV accident can be for all parties involved.

Finding Motorhome Insurance For Your Exact RV

Chances are that if you are able to register you RV, camper, or Motorhome with Florida’s DMV, then insurance companies will have a policy that will fit your needs. You should certainly be able to find an insurance policy for any of the types of RV’s that are listed below:

  • Sport Utility RV’s
  • Pop Up Trailers
  • Truck Campers
  • Bus Conversion Vehicles
  • Toy Haulers
  • Fifth Wheels
  • Travel Trailers
  • Class A, B, & C Motorhomes

It is vital that you speak with an insurance agent that is qualified to help you determine what the best insurance coverage options will be for your RV.

What Will RV Insurance Cover?

Most Florida insurance providers will be able to supply you with several options that you can choose from as you begin to build your RV insurance policy, be sure to include the following:

  • Liability Coverage – This will be able to help you to pay for property damage or injuries that you may cause to another person while in your RV. It may also help to pay for legal fees as well as court costs that may come if someone decides to sue you as a result of property damage or injury.
  • Comprehensive Coverage – This will help to pay for replacement or repairs to your RV if it becomes damaged or is totaled by severe weather, vandalism, fire, theft or other types of covered events.
  • Collision Coverage – This will help to cover the cost of repairs to the RV is it is damaged because of an accident, no matter who is at fault.
  • Full timer Coverage – This is an option for those who live in an RV year round. It is almost like home-owners insurance instead of vehicle insurance and is certainly a must have for a full time road warrior.
  • Campsite and Vacation Coverage – This may help to pay for the costs that are associated with injuries or damage while your RV is parked at a park or resort.

Are RV Insurance Quotes Considered Reasonable?

It can be hard to estimate the average amount of RV insurance quotes because RV’s will come in a variety of uses, sizes, and prices. Most Florida insurance companies will take several different factors into consideration when they begin to calculate your quote which will include the following.

  • Your RV – Type A RV’s will have the highest quotes followed by Type C, while Type B RV quotes are normally the lowest.
  • Your Driving History – Someone who has a record of past claims or accidents will receive higher quotes than someone who has a clean driving record.
  • The Limits That Are Set On The Policy – Quotes for liability only insurance will be lower than those that contain campsite coverage. The deductible that you pick will also affect the quotes. Even though a higher deductible may lead to a lower quote, it is vital that you pick a deductible that you could afford to pay if you need to file a claim.
  • How You Use It – Full time insurance premium quotes will be higher than those who only use RV’s a few times during the year.

It is a good idea to just shop around and then compare different quotes from a variety of insurance providers to be sure that you are purchasing a policy that has the lowest cost.


Finding the right RV insurance can mean a huge difference between cancelling the family vacation and recovering from an accident. Independent, knowledgeable insurance agents at Overland Insurance will be available to answer your questions, suggest coverage options that would be best for your RV and even help you to file a claim. Contact an agent with Overland Insurance toll-free today at 1-800-677-4027 to find out how you will be able to get the best RV insurance policy that will meet your budget and needs.