RV insurance in Florida

What are Florida's RV insurance requirements?

Florida requires that all motorists carry liability coverage, so you must have at least the state minimum liability coverage if you drive a motorhome, plus personal injury protection:

• $10,000 for property damage per accident
• $10,000 for personal injury protection

Travel trailers policies don’t offer liability coverage; the vehicle you use to pull your trailer will have liability coverage. However, for protection against physical damage to your travel trailer, a separate RV policy offers comprehensive and collision coverage.

Florida RV insurance coverages

Bodily injury and property damage liability coverage

While not required in Florida, bodily injury coverage helps cover another person's medical expense resulting from a motor vehicle accident if you’re liable for their injuries. Property damage liability helps pay for the cost of repairing or replacing another person's property if it's damaged in an accident or you’re responsible for.

Comprehensive and collision coverage

Comprehensive and collision coverage will appear on all travel trailer policies. Though not required by law, comprehensive and collision coverage are generally mandated by your lender if you finance or lease a motorhome or travel trailer.

Comprehensive coverage can pay for damages from events out of your control, including fire, theft, vandalism, glass breakage, weather related issues and collisions with animals.

Collision coverage may pay to repair and replace your RV if it collides with an object, such as another vehicle, guardrail or fence.

What if I live in my RV full-time?

If you live in an RV full-time, you may need additional coverage that a recreational RV policy doesn’t offer. However, a full-timers policy may offer protection if your RV is also your primary residence with the following coverages:

• Personal liability: Liability coverage on a full-timers policy can protect you against liability claims, even while your RV is parked.
• Medical payments: If someone hurts themselves in or around your RV, medical payments coverage may pay for their medical bills.
• Loss assessment: Loss assessment coverage can pay for any fees charged for repairs by local associations.

Other RV coverages available in Florida

There's a long list of RV insurance coverages available from Progressive to suit your needs, including the following:

Total loss replacement covers the cost of a new motorhome or travel trailer if yours is totaled, provided the vehicle is less than five years old. After that point, the coverage pays the amount specified on your policy.

Roadside assistance covers the cost of a tow if your battery dies, you get a flat tire, or break down for another reason.

Replacement cost/personal effects pays for the repair or replacement cost of your things if they're damaged in a covered event.

Emergency expense pays up to $750 for hotel and travel costs if your RV breaks down more than 50 miles from home.

Pet coverage covers vet bills up to $1,000 if your four-legged friend is hurt in an accident.

Pest damage protection can help pay for repairs when a wild animal like a bird or raccoon damages your RV.^**

Roof Protection Plus® can pay to replace or repair the damaged roof of your motorhome, even if the damage is the result of normal wear and tear.^**

Learn about all the available RV insurance coverages.

How much is RV insurance in Florida?

Florida RV insurance rates are impacted by a variety of different factors, such as:

• Type and model: The more expensive your RV is to fix or replace, the more you'll usually pay to insure it. Larger, newer RVs typically cost more, and motorhomes typically cost more than travel trailers and pop-ups.
• Claims history: Your history of making insurance claims can affect your rates.
• Driving record: Violations can increase the price of your RV policy.

Learn more about how RV insurance rates are calculated.

How can I get lower rates for RV insurance in Florida?

Save on RV insurance in the Sunshine State with Progressive’s discounts, such as:

• Multi-policy: The more Progressive policies you have, the more you can save by bundling them.
• Quote in advance: Earn a discount for quoting at least one day before your policy is set to start.
• Original owner: Get a discount just for being the original owner of your RV.

Find out more about all the RV insurance discounts we offer.

How to get RV insurance in Florida