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First Florida Underwriters Insurance blog

Is RV Insurance Required in Florida?

With thousands of people exploring the United States via RVs, it’s important to understand the requirements associated with owning or operating one. Keep in mind that every state’s laws and regulations will differ but when it comes to Florida RV owners are required to have insurance as long as it is being driven and not towed behind a truck or another vehicle. Operators must have a minimum of $10,000 in bodily injury liability per accident for one person, $20,000 in bodily injury liability per accident for all persons, and $10,000 in property damage liability per accident. Remember that these are only the bare minimum requirements for insurance and many RV owners will find that these coverages are not sufficient to protect the totality of their assets particularly given the expenses associated with an RV accident. 

Let’s be honest – purchasing an RV whether it is used or new is not an inexpensive endeavor. As a result, you want to make sure you have enough insurance to cover the total cost of the RV plus more. While an RV may be a blast to drive on a straightaway, most people find them to be challenging to park, turn, and judge side distance. Consequently, accidents can and do happen with RVs, and with a single accident costing thousands in repairs plus any damage to other property or people, you want to make sure you have enough coverage to protect yourself should the worst happen. 

When it comes to finding an RV insurance policy, let the professionals at First Florida Underwriters Inc in Orange Park, FL assist. We’ll take the time to learn about your needs and make a personalized recommendation on the perfect policy for you. Give us a call today or visit our website to make an appointment to speak with our friendly team.