UNDERSTANDING RV INSURANCE
Coverage for the Road and Beyond.
​An RV insurance policy can help protect your motorhome, travel trailer, or fifth wheel from unexpected events on and off the road. Available coverages vary by carrier, RV type, and how you use it.
Physical Damage Coverage
​Helps cover damage to your RV from covered events, such as collision, fire, theft, vandalism, and certain weather-related losses. Coverage is subject to your policy terms, limits, and deductibles.
​May provide coverage if you're found legally responsible for injury to others or damage to their property. Liability coverage works differently for motorhomes and towable RVs. Limits and coverage options vary by policy.
Liability Protection
Additional Coverage Options
​Many policies offer optional coverages such as personal belongings, roadside assistance, emergency expenses, total loss replacement, and more. Availability varies by carrier.
TWO RV TYPES. DIFFERENT COVERAGE CONSIDERATIONS
Motorhomes vs. Travel Trailers
​The type of RV you have can affect how it's insured. Here's a quick look at the key differences:
Motorhomes
(Class A, B, and C)
Self-propelled (drives like a motor vehicle)
Typically includes both auto and home-type coverages
Liability coverage applies while driving and while parked
May include coverage for personal belongings and full-time use options
Travel Trailers & Fifth WheelsÂ
Towable (requires a separate vehicle)
Typically covered under a specialty RV policy (not your auto policy)
Liability coverage generally applied while parked
Road liability is usually provided by your tow vehicle's auto policy
Coverage options vary by carrier and RV type
Occasional Getaways
​Weekend trips and seasonal travel. Coverage can help protect your RV during your adventures.
Coverage for Every Kind of Journey.
Your RV lifestyle is unique, and your insurance should fit your needs. Common uses include:
HOW DO YOU USE YOUR RV?
Extended Trips
For those who travel for weeks or months at a time. Additional coverage options may be available.
Full-Time RV Living
​If you use your RV as your primary residence, specialized coverage options may be available.
Roadside Assistance
Help if you experience a breakdown, flat tire, or other covered roadside event. Service areas and benefits vary by carrier.
Additional Protection for Peace of Mind.
​Many RV insurance policies offer optional coverages and benefits, including:
Personal Belongings
May provide coverage for your personal items, such as clothing, electronics, and camping gear. Coverage limits and exclusions apply.
IMPORTANT RV COVERAGE CONSIDERATIONS
Emergency Expenses
​Some policies offer coverage for additional living expenses if your RV becomes uninhabitable due to a covered loss.
Total-Loss Replacement
​Available through select carriers for qualifying RVs. If your RV is a total loss, a new, comparable RV may be provided, subject to policy terms.
RV Insurance FAQs
COMMON QUESTIONS
​Florida generally requires registered, self-propelled motorhomes to carry applicable motor vehicle insurance, including required Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage. Travel trailers and fifth wheels typically do not have the same separate motor vehicle liability insurance requirements because they are towed rather than driven. However, lenders may require physical damage coverage on financed RVs. Insurance requirements depend on the type of RV and how it is registered and used.
​RV insurance may provide coverage for physical damage to your motorhome, travel trailer, or fifth wheel, as well as liability protection and additional benefits depending on the policy. Common coverage options include comprehensive, collision, personal belongings, roadside assistance, and emergency expenses. The coverage available depends on the type of RV, how it is used, and the insurance carrier's policy terms, limits, and exclusions.
​Your auto insurance policy may extend certain liability coverage to an eligible travel trailer while it is attached to and being towed by your insured vehicle. However, this generally does not include physical damage coverage for the trailer itself. A separate RV or travel trailer policy may be needed to protect against damage from accidents, theft, fire, or weather-related events. Liability coverage while the trailer is parked or used as a temporary residence may also require additional protection.
​Yes, some insurance carriers offer coverage designed for people who use their RV as their primary residence. Full-time RV insurance may include additional liability protection and coverage options that differ from policies intended for occasional recreational use. It's important to disclose whether you live in your RV full-time, as occupancy and usage can affect eligibility, coverage, and premium. Available options vary by carrier and RV type.
​The cost of RV insurance depends on factors such as the type and value of your RV, how frequently you use it, where it is stored, your driving and claims history, and the coverage limits and deductibles selected. Motorhomes, travel trailers, and fifth wheels can have different insurance costs and coverage needs. We can help you compare available options to find protection that fits your RV and how you use it.
