Are you considering buying an RV and wondering how much insurance costs? RVs, whether it’s a mobile home or a travel trailer, are great ways to see the sights on vacation and not have to worry about reserving hotel rooms or room cleanliness. however, part of the cost of owning a trailer, in addition to protecting your investment, involves purchasing insurance.
RV insurance in Florida and what it covers
RV insurance can be purchased to cover motorhomes, fifth wheels, travel, trucks, RVs and pop-up motorhomes, motorhomes, toy haulers, truck conversions, park models, hybrid trailers, and other types of RVs.
standard coverages for recreational vehicles
- Bodily Injury: Covers the medical expenses of the other vehicle if someone is injured in an accident where you are found to be at fault.
- Collision: Pays for repairs to your vehicle, whether or not you are found to be the at-fault driver.
- Comprehensive: Pays for damage to your RV that was not the result of an accident. generally includes fire, theft, vandalism, and falling objects.
- Medical Payments: Pays for any medical care you or your passengers need after an accident, regardless of fault.
- Property Damage: Covers damage to another person’s vehicle or property if you are in an accident and are found to be the at-fault driver.
- Underinsured: Helps fill the gap if you’re involved in an accident with a driver who doesn’t have enough insurance.
- Uninsured: Helps pay for damage to your vehicle and any injuries to you or your passengers if the other driver is uninsured.
- Contents Coverage – Covers your personal items that are stored inside the RV in the event it is damaged due to a covered event.
- Emergency Expenses: Covers expenses related to emergency situations where you cannot use your RV and you are away from your primary residence. generally covers hotel stays, meals, and transportation.
- roadside assistance: covers towing, tire changes and jump starts. You can also pay for trip interruption expenses if you are a certain distance from your main home.
- Safety Glass: If your windshield is damaged by a falling or flying rock or object, this coverage pays to replace the windshield.
- towing and labor: specifically covers towing and labor expenses if it breaks down on the road. may also cover hotel stays, rental cars, and meals while your RV is in the shop for repairs.
- Vacation Liability: Vacation liability is also known as camping liability coverage. This insurance helps protect you if your RV is parked and in use at a campground and someone is injured inside your RV or at your specific campground.
- Personal Liability: Helps pay for any injury and/or personal property damage that occurs to your campground or trailer due to an accident at the facility where you are determined to be the responsible party.
- Medical Payments: Helps pay the medical bills of anyone who visits your trailer or site and is injured.
- loss coverage: Covers fees charged to the RV owner for property damage to the site or camping facilities.
- class a – $1,000 to $1,300 per year
- class b: due to the varieties, sizes and frequency of use, they usually need a personalized quote, since the rates can vary a lot
- class c – $800 – $1,000 per year
- fifth wheels – $200 to $1,000 per year
Optional or Supplemental Recreational Vehicle Coverages
Are you making a move to live in your RV full time?
For many retirees and those who are self-employed and able to work from anywhere, full-time RV living is an option. If you’re thinking of upgrading from a regular home to a mobile home, you may need certain coverages to protect your investment and your new home on wheels.
Reading: How much is rv insurance in florida
the average cost of RV insurance
The cost of your RV insurance policy is determined by many factors, including how much you use your RV, whether or not you live in it full time, the class of RV, and your deductible. the natural average for RV insurance ranged from $502 to $848 per year or $41.83 to $70.67 per month.
average cost of insurance by rv class
how to make RV insurance more affordable
To help make your RV insurance more affordable, you can increase your deductibles. It’s also important to make sure you get all the discounts you deserve, including multiple lines or multiple policies, responsible driver or insurance, and being claim-free.
Getting RV Insurance at FearNow, Serving Florida
See also: Why do I need insurance?
If you need RV insurance for your new or new RV, fifth wheel or toy truck, call us today at 813-689-8878. we can help you find the right coverage in the right amounts so you can enjoy your RV and see the sights on your next vacation.