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Great Reasons Why You Should Definitely Insure Your RV

Florida is home to beautiful beaches, glorious sunny weather and hundreds of well-appointed RV campgrounds.

It is also a state that requires that owners who drive their RV’s, rather than tow them behind a vehicle, need to carry dedicated RV insurance by law.  If you already own an RV or are thinking of purchasing one, you should be aware of your obligations to insure your vehicle, as well as the benefits and peace of mind that comprehensive RV insurance can offer.

Always meet the minimum liability requirements.

Whatever type of RV insurance coverage you purchase, it must meet the minimum liability requirements.  These are:

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

These are the MINIMUM liability coverage amounts that your insurance is required to meet.  Depending on the size and cost of your RV, you may well want to invest in additional coverage in case the worst should happen.

You must purchase the right insurance coverage for your particular type of RV

RV – or recreational vehicle – is a term that covers a wide variety of motorhomes, campers, and trailers.  There is no one-size-fits-all insurance policy that covers every different size and shape of RV, so you must make sure you have the right insurance for your particular vehicle.

The most common types of RV insured in Florida are:

  • Class A, B, and C motorhomes
  • Travel Trailers
  • Bus conversions vehicles
  • Truck, campers
  • Pop-up trailers
  • Sport utility RV’s

Your insurance agent will be able to advise you on the best insurance coverage for your specific type of RV.

Protect yourself and your belongings from theft, accident or damage

The most important reason to have specialized RV insurance is that you will be protected if your RV is stolen or damaged, or if you are involved in an accident.

RV’s can be very expensive to buy, and even the smallest dent or minor fender bender can also be expensive to repair. Most RV insurance providers will help you to build a tailor-made coverage plan that suits the make, model and age of your RV, as well as giving you options for additional coverage should you wish to purchase it.

Some of the most common elements of a comprehensive RV policy could include:

  • Liability coverage – to pay for injuries or damage to property that may be caused by you while operating your RV, as well as court costs should another party wish to sue.
  • Collision coverage – to pay for repairs to your RV if it is damaged in an accident, regardless of who is at fault.
  • Comprehensive coverage – to pay for repairs to your RV if it is damaged or destroyed by fire, severe weather, theft or an act of vandalism
  • Campsite and vacation coverage – to help you pay any costs associated with damage or injuries sustained while parked at a resort of RV ground
  • Full-timer coverage – to provide homeowner insurance for anyone who lives in their RV all year round.

Purchase your RV insurance cover from an expert provider

Here at The Sena Group, we have plenty of experience in providing the right RV insurance for a wide range of vehicles.  Speak to us today at 561-391-4661to see how we can help keep you covered.

For more information about how The Sena Group can help you with any

of your insurance needs, please contact us at 561-391-4661.

We can be found on Social Media at the following links.


The Sena Group
6501 Congress Ave., Ste. 100
Boca Raton, FL 33487