Florida RV Insurance: Protect Your Home on the Road
Owning an RV in Florida means freedom — from sunny weekend getaways to cross-country adventures. But before you fit the road, it’s important to make sure your RV Insurance covers more than just your vehicle. It protects your investment, your belongings, and your peace of mind.
Why RV Insurance Is Different
Recreational vehicles are more than cars — they’re part vehicle, part home. That means a standard auto insurance policy isn’t enough. RV insurance in Florida offers specialized protection that covers both the driving and living aspects of your RV.
What RV Insurance Covers
A typical Florida RV insurance policy can include:
Liability coverage: Pays for injuries or damage you cause while driving your RV.
Comprehensive and collision: Protects against accidents, theft, fire, vandalism, or storm damage.
Personal belongings: Covers items inside your RV, like furniture, clothing, or electronics.
Vacation liability: Provides coverage if someone is injured at your campsite or parked RV.
Roadside assistance: Helps if you break down, run out of gas, or need a tow.
Tip: Florida’s hurricane season can bring strong winds and flooding — so make sure your policy includes comprehensive protection.
How to Save on RV Insurance in Florida
You can lower your premium without losing protection by:
Bundling your RV, auto, and home insurance with Safeguard Insurance
Maintaining a clean driving record
Taking an RV safety course
Choosing higher deductibles
Storing your RV in a secure location during the off-season
Do You Need RV Insurance in Florida?
Yes — if your RV is motorized (like a Class A, B, or C motorhome), Florida law requires at least liability coverage.
If you tow a travel trailer or fifth wheel, insurance isn’t legally required, but it’s highly recommended to protect your property and personal belongings.
Safeguard can help you find custom RV coverage that fits your travel habits, your rig, and your budget. From coastal campsites to cross-state road trips, enjoy the freedom of the open road knowing your RV is fully protected.