Owning an RV is one of the best ways to travel to our beautiful country. RVs offer maximum flexibility and tons of fun. However, if you are not properly prepared with the appropriate insurance, your RV experience can quickly turn bad. Here are some insurance tips for Orange Park, FL residents to keep in mind before they hit the road in their RV.
Understand the Basic Minimums for Your State
Just like with auto insurance, each state will have basic insurance minimums for RVs as well. Understanding what these minimums are will keep you protected in the event of an accident. Most RV policies are similar to auto policies. These will include Bodily Injury, Property Damage, Collision and Comprehensive. In addition to these, there are other types of coverage that you can also add to your policy in some cases. To get specific information you will need to speak with a representative from First Florida Underwriters Inc.
Know Your RV
You should also be aware that different types of RVs will require different types of insurance coverage. Your coverage and costs will depend on whether you have a class A, class B or class C RV. The types of insurance are based on how expensive the vehicle is.
RV Insurance Is Not the Same as Auto
There are many auto insurance companies that will sell you a policy, but you should note that an auto policy will not cover many things that RV owners need to be covered. For instance personal belongings, which would be traveling with many RV owners, are not covered under traditional auto policies.
In order to get the best RV policy and coverage, it is best to speak with a knowledgeable insurance representative from First Florida Underwriters Inc. We can help you figure out your coverage needs in Orange Park, FL and surrounding areas.