Recreational Vehicle Insurance in Tallahassee and Havana, FL

The Road Less Traveled

Recreational vehicle (RV) insurance is crucial for anyone who owns or operates an RV. It provides financial protection for your vehicle, personal belongings inside and liability coverage in case of accidents. It’s tailored to the unique needs of RV owners, offering various coverage options to suit different lifestyles and travel plans.  

Are There Different Types of Coverage Under RV Insurance? 

 

Most standard RV insurance policies include the following coverage options: 

• Collision insurance can help cover repairing damages caused by a collision.
• Comprehensive insurance can help cover damages unrelated to an accident, such as theft or vandalism.
• Bodily injury and property damage liability may aid in covering expenses for property damage or bodily injuries you cause to others while operating your RV and possibly legal fees arising from such an incident.
• Uninsured/underinsured property damage and bodily injury may help pay to repair or replace your RV in an accident with an at-fault driver who doesn’t have the appropriate insurance coverage. These options may also help cover medical expenses for bodily injuries from these accidents. 

 

Additional coverage options to consider include the following: 

• Roadside assistance
• Safety glass replacement
• Towing and labor
• Vacation liability 

How Does RV Insurance Work for Full-Timers? 

 

RV insurance for full-timers is tailored to those who live in their RVs as their primary residences. It typically includes enhanced liability coverage that provides protection when the RV is parked.  

What Are Insurance Options for Part-Timers Using RVs? 

 

Part-time RV users have several insurance options to safeguard their RVs and themselves while traveling. Some may opt for an auto insurance policy with an RV endorsement, which may be suitable for occasional use with certain RVs. Other coverage includes storage insurance that covers RVs while in storage, rental insurance for those renting RVs and umbrella insurance for additional liability protection. To select the most suitable coverage, assess your RV usage, value, belongings and travel plans.  

Contact McKee Insurance Agency to discuss your insurance needs today. We can help you determine the right coverage for you and your vehicles.