Monett Insurance

If You Have a Recreational Vehicle, Does It Need Insurance in Florida?

Recreational Vehicle Insurance Florida

Owning a recreational vehicle can be an exciting prospect, though at the end of the day, you can’t own such a vehicle without having some type of protection to make sure that you and your vehicle are well covered. 

The Case for RV Insurance

There are a lot of already existing recreational vehicles—so many that require different needs regarding maintenance and legal coverage. It’s that reason why it’s always a good idea to research the insurance options available for any prospective insurance plan for your recreational vehicle. 

In other words yes, according to you need what’s known as RV insurance to make sure your vehicle, yourself and any third party is insured in the case of an accident or other unfortunate occurrence. 

In the state of Florida, many residents have purchased their own recreational vehicles as a means for retirement, vacationing or recreation in their neck of the woods. Since there are many types of recreational vehicles, otherwise known as RVs, RV owners should learn more about the types of policies available for their vehicle’s needs.

Many RV insurance policies cover recreational vehicles like motorhomes, fifth wheels and travel trailers. Many, if not all, of these policies are typically required depending on the type of RV that you own. In other words, the type of policy that you may want to get will vary based on the recreational vehicle that you have. 

Most RV insurance policies provide standard motorhome coverage, in addition to bodily injury and property damage liability coverage. In Florida, you’re likely to come across an insurance policy with personal injury protection coverage. 

Finding a Policy

As a recreational vehicle owner in Florida, you should want more for your recreational vehicle. Many, if not all, recreational vehicles ‘offer more than what a standard car’ can provide for you and your family on the road, perhaps the main reason why such a vehicle requires this specialized coverage. 

The most common recreational vehicles are designed to provide owners with a ‘home away from home,’ featuring amenities similar to that of a standard home and enough space for people to store their valuable possessions. 

Though, with the perks of being a home away from home, RVs are also perhaps incredibly exposed on the road. Unlike standard cars and other vehicles, you can get yourself into several harrowing situations that are unique to RVs on the road:

  • Your possessions – clothing, camping equipment and valuables – are lost, stolen or damaged/destroyed from your RV. 
  • Your recreational vehicle gets damaged on the road and you need to find a way to get to a place to stay. 
  • Someone in your traveling party becomes ill or gets injured in or nearby your RV. 

The best thing about recreational vehicle insurance is the fact that it’s specialized for the needs of a recreational vehicle and not that of a car. Though, some recreational vehicles can be insured under standard auto insurance. In most cases, the vehicle is only covered through basic liability coverage, leaving all other coverage options completely open.

So, if you just get auto insurance for your RV, you’re missing out on coverage options like total loss recovery coverage, emergency expenses, vacation liability coverage and much more. These specialized options are unique to RVs for a reason, and are the main reason why you need to get RV insurance in the first place. 

Qualifying for a Policy

In most cases, across the United States, there are certain components that a vehicle must have installed before it can qualify as an insurable recreational vehicle.

These components generally include cooking appliances, bathroom facilities, refrigeration, self-contained heating and/or air conditioning, in addition to a drinkable water supply. Many insurable recreational vehicles also have an 110 to 125 volt electrical power system, adequate to provide power to the entire vehicle. 

It’s these ‘parameters’ that also affect how the websites of many Florida-based RV insurance companies generate Florida RV insurance quotes. Through insurance quotes, you can learn just how much RV insurance costs throughout the state of Florida and throughout your area. 

Getting the most accurate Florida RV insurance quotes is a matter of providing details about your recreational vehicle, including parameters like its manufacturing year, make, model, condition and current mileage. 

On Coverage

As per the current Florida state laws, owners of recreational vehicles are required to carry a certain minimum amount of insurance to register their recreational vehicle, or in other words, their motorhome. 

Many insurance companies within the state like offer coverage that specifically meets this requirement, and in most cases, the coverage options are relatively inexpensive. Still, it doesn’t hurt to shop around for the right RV insurance. 

In Florida, recreational vehicle owners are required to carry a minimum of $10,000 of personal injury protection coverage, in addition to property damage liability coverage. 

Now, personal injury protection coverage mainly covers you in the case of an accident, regardless of your fault in the accident. This coverage generally pays 80 percent of your ‘reasonable’ medical-related expenses, 60 percent of lost wages and up to $5,000 in death benefits. 

The required property damage liability coverage pays for damages incurred to other properties in the case of you or your recreational vehicle’s driver causing an accident. This option happens to cover property like fences, utility poles and other buildings. 

Bodily injury liability coverage is perhaps the most important option in any Florida recreational vehicle policy, as it covers injuries that you cause to others when driving your recreational vehicle. Thanks to this, it also covers any legal expenses incurred in part to the accident. 

Many RV insurance carriers in Florida also provide reimbursement for medical payments, generally offering up to $10,000 in medical payments for injuries related to a recreational vehicle. 

You can also expect to get some kind of coverage against uninsured drivers or motorists, mainly to protect you and your vehicle in the case of accidents caused by an uninsured party. So, if you’re waiting to get RV insurance in Florida for your vehicle, what are you waiting for?

Make It Smooth Sailing With Insurance for Your Florida Boat

Smooth Sailing with Insurance for Your Florida Boat

You store your boat right behind your house, so you might assume any damage to it would be covered by your homeowners policy. Think again. Most homeowners policies cover less than $1,500 in damage to a boat while some policies don’t cover watercraft at all. Your best bet, whether your boat is stored on a dock behind your house or on a trailer right next to it, is to get a Florida boat insurance policy specifically to insure your watercraft damage on and off the water.  

What Does Policy Protect

A boat policy protects your watercraft from a variety of incidents including sinking, accidents, collisions and vandalism. The policies generally cover physical damage to machinery, furnishings, the hull, sails (if applicable), onboard equipment including sonar, depth and fish finders and even boat trailers damaged from an external source. While options and pricing differ depending on the type of watercraft you are insuring, you can get a specialized policy for everything from a yacht to a jet ski.

Similar to auto insurance, you can also add additional coverage against items such as uninsured boaters, damage to another boat or dock, coverage for personal property and bodily injury for injuries or death as a result of negligence by the boat operator. In addition, you can add coverage for fishing equipment and coverage for towing whether you are stranded offshore or your trailer breaks down off the interstate.

Finding the Best Rates

Once you’ve made the decision to insure your watercraft, finding a policy at a price that’s right for you has become incredibly easy. Just like the Florida auto insurance market, Florida boat insurers have taken to the web with a variety of sites for researching rates and policies. Each company has its own boat policy section, and many of the same players in the Florida auto insurance game such as GEICO, State Farm and Progressive, also offer watercraft policies.  There are also a variety of sites that provide rates for a number of carriers at once. You simply enter the type of watercraft you’re insuring, year of purchase, estimated value and policy type you are looking for, and a list of results is displayed. You can then click each result for further information and a link to the carrier’s site to sign up for a policy. Furthermore, you can have a policy before you power down your computer.

Protect Your Boat

Your watercraft serves many purposes. It’s a vehicle for family fun and weekend adventure. It’s where you and your buddies hit the open water in search of that elusive catch. For some, it’s even a source of income. Whatever purpose your boat serves, you should protect it just as you protect your home and car. A Florida boat insurance policy from gives you the peace of mind to know that, whatever may happen on or off the water, your boat and any repairs will be covered. Take the worry away and focus on what’s really important — cruising the open water with your family and friends.

Do I Really Need Full Coverage Auto Insurance in Florida?

Need Full Coverage Auto Insurance in Florida

While searching for FL auto insurance, you will be told to purchase as much coverage as you can. It makes sense, being covered is extremely important especially when an auto accident occurs. When it comes to auto insurance sometimes you can rightfully cut back on your coverage.

When Can I Cut Back on My Auto Insurance Coverage?

One reason to cut back from full coverage auto insurance in Florida is if your car, that’s paid for, is too old. Not purchasing full coverage insurance for your car does not mean you like your car any less. According to, an older car with full coverage will be costly. You can expect your premiums to be over the value of your car. If you are out for saving money, it is definitely not smart to fully cover an old car.

What Am I Missing Out on if I Drop Full Coverage Auto Insurance?

If you are considering dropping your full coverage FL auto insurance, you must understand what you miss out on coverage wise. Here are the basics of full coverage auto insurance. This auto insurance consists of comprehensive, collision, and liability. The liability section kicks in to protect another person and their property if you happen to cause an accident.

While your collision coverage will be used when you damage your car in an accident or a single car accident. Having comprehensive coverage will cover everything else involved as a result of the car accident. For example, a hail storm hitting and damaging your car will be covered by comprehensive coverage.

Remember full coverage auto insurance does not include any extras. These extras include towing, roadside assistance, rental cars, and others. With most auto insurers if you do not have full insurance coverage, you will not get the extra coverage options.

Once you remove your full insurance coverage, your policy will only include liability coverage. In other words, your vehicle will have no coverage at all!

What About Full Coverage on a Car That I Owe On?

When it comes to a car like this, the first thing to do is to determine if you can even remove comprehensive and collision coverage. Most times, you will see a newer car that has been financed to be required by the bank to carry full coverage insurance until the car is paid.

However, just because a car is older doesn’t mean that someone straight out owns it. If you still owe money on your car, you are more than likely required to keep your full coverage FL auto insurance. As soon as you pay off your car, you can then consider dropping it.

Having full coverage auto insurance in Florida from Florida Insurance Quotes at is the best option for auto insurance. Without proper auto insurance coverage for your vehicle, you will be paying tons of expenses out of pocket. Therefore, think about it before dropping it.