RV Insurance in Miami, FL
Exploring Florida by RV offers freedom, but protecting your finances is essential. At Golden Gables Insurance Agency, we’ll break down everything you need to know about RV insurance to help you travel with confidence.
What Does It Cover?
A standard RV insurance policy typically covers the following:
- Collision coverage can help pay for your RV’s repair costs if it’s damaged after colliding with an object or another vehicle.
- Comprehensive coverage can cover damage caused by vandalism, certain weather conditions, fire or theft.
- Personal injury protection (PIP) can cover your medical expenses, funeral costs and lost income if you are injured in an accident, regardless of fault.
- Bodily injury liability can cover the medical expenses of a third party who got injured in an accident you caused while operating your RV.
- Property damage liability can help pay for related expenses if you’re liable for causing damage to someone else’s property.
- Uninsured/underinsured motorist coverage can cover you and your passengers’ medical bills if you are hit by a motorist with insufficient coverage.
Is It Mandatory?
Florida requires RV drivers to carry minimum amounts of personal injury protection and property damage liability. Lenders may also require comprehensive and collision coverage if your RV is under a loan or lease.
How Much Does It Cost to Insure My RV?
Insurers consider multiple factors when calculating your RV insurance premium. These include, but are not limited to:
- Driving record
- Location
- RV model and type
- Claims history
- Coverage limits
- Deductible
Where Can I Purchase a Policy?
We’re dedicated to helping RV drivers get coverage that fits their circumstances. Contact Golden Gables Insurance Agency to request a personalized quote or learn more about your RV insurance options.