Recreational Vehicle Insurance

Recreational vehicles (RVs) vary in size and shape but often face risks related to accidents and damages no matter where you go or how you use them. Gator Auto Insurance Agency offers RV insurance to safeguard you from the potential liabilities and financial risks of these incidents.

How Much Is RV Insurance?

Several factors can influence the cost of RV insurance in Florida, including RV class, driving history, coverage choices and deductible limits. Typically, you can save on your RV insurance by consolidating policies, choosing a higher deductible and utilizing available discounts.

What Does RV Insurance Cover?

The specifics of what is covered by RV insurance can vary by policy. In general, RV insurance may include the following:

Primary Coverages

• Bodily injury liability coverage provides coverage for medical bills and legal fees for injuries caused by your RV.
• Property damage liability coverage provides coverage if your RV damages another’s property.
• Uninsured/underinsured motorist coverage provides coverage for accidents caused by drivers who lack adequate insurance.
• Collision coverage ensures your RV is repaired or replaced if it’s damaged in an accident, regardless of fault.

Additional Protective Measures

• Comprehensive coverage may protect against damage not related to an accident. This can include natural disasters, vandalism or theft.
• Medical payments coverage helps cover medical bills for RV-related injuries, regardless of fault.
• Personal effects replacement coverage may reimburse policyholders for damaged items inside their RV.

Supplementary Coverages

• Roadside assistance may provide 24/7 support for on-the-road mishaps.
• Towing and labor coverage may reimburse policyholders for towing and associated labor costs in the event of a breakdown.
• Vacation liability coverage may cover liabilities for injuries or property damage at RV parks.
• Campsite and vacation insurance may cover damages when parked at campsites or resorts.

• Full-timer coverage is similar to homeowners’ insurance and provides financial protection for those living in RVs full-time.

Is Recreational Vehicle Insurance Important?

RV insurance can provide peace of mind to policyholders by covering potentially significant repair expenses caused by collisions with vehicles or objects and other incidents.

Understanding recreational vehicle insurance might seem intimidating, but you can trust that Gator Auto Insurance Agency has you covered. Our team is ready to help you navigate the insurance process. Contact us today to begin securing your coverage.