Your car insurance policy does not cover your RV. You need a separate policy for any losses that would occur to your RV. RV insurance is relatively inexpensive, but it can pay for a considerable amount of losses if you get into an accident while in it.
In the state of Florida, if you drive your RV and don't tow it behind your car or truck, then the state requires you to have insurance for it. The minimum requirements are expressed as 10/20/10, meaning that you need $10,000 for bodily injuries per accident for one person, $20,000 bodily injury coverage for more than one person in an accident, and $10,000 property damage coverage for each accident.
Florida has some of the lowest minimum insurance requirements of any state, and you can always choose to purchase more insurance than only the minimum required to make sure you are covered in the case of an accident.
The minimum liability insurance on an RV only pays out to other persons in an accident, and it does not pay anything to you. You should consider adding collision coverage to pay for repairs or to replace your RV if it is damaged or totaled in an accident. Comprehensive coverage covers all other damages to your RV by theft, vandalism, fire, or severe weather. Campsite and vacation coverage pays for damages that may occur to your RV while it is parked and not moving. Full timer coverage is for people who live full time in their RV, and it functions much like homeowner's insurance.
Your RV is a significant investment, and we at JetStream Insurance Group LLC in Doral, FL realize that you want to make certain to protect your assets. We can help you to decide the exact level of insurance coverage you need and help you get a quote. Come by the office in Doral, FL, or give us a call to get started.
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