Recreational Vehicles (RV’s) have always been rather popular within a certain contingent of the US population and it’s not hard to see why. A RV not only affords you the ability to travel more comfortably but utilizing one can also considerably cut your expenses too. What most people might not realize is that there are specific types of insurance which pertain to recreational vehicles – standard car insurance isn’t actually going to “cut it”, as they say. There are a number of reasons for this…
What specific benefits does RV insurance offer?
First and foremost, RV insurance is typically all about protection. Rather than serving as just a standard form of auto insurance it is also able to cover your valuables as well as other liabilities. One might easily think of it as being a form of homeowners insurance, only this domicile can travel around on the interstate at high speed. Having said this, the answer as to why insurance might be needed becomes fairly obvious – an RV could easily considered to be a sizable investment, particularly if you own one of the newer, more “decked out” models.
At the same time, there are lots of policies which are able to not only cover property, but also liabilities for passengers, additional drivers, as well as any property damage / personal injury claims. This is key, because the right policy more or less takes care of everyone and everything, thus providing the peace of mind and security you need to enjoy yourself.
What makes Florida so special?
For starters, Florida has long been known to be a hotbed locale for RV’s and RV owners. One could point to various factors for reasoning here – including the fact that the state is essentially a peninsula with lots of coastline or the higher than average number of retirees which routinely retire there. Because of this, Florida has an incredible amount of opportunities with regards to insurance with certain providers actually specializing in RV policies. Naturally, this translates into great savings and opportunities for consumers.
How do most policies work?
Typically speaking, your average RV insurance policy will cover a vehicle for up to 250 days per year. While this might seem somewhat inadequate it actually isn’t because you won’t be constantly traveling and will want to park and set up camp somewhere for several days / weeks here and there.
What is covered?
Specifically – Motor homes, campers and travel trailers are all covered, although each type of vehicle might require a special policy. All in all however, each policy remains largely the same, providing for personal protection of your assets as well as damages which might be incurred in the event of an accident.
Who are some of the best RV insurance providers in Florida?
The following insurance providers should be at the top of your list if you’re out policy hunting and comparing / contrasting rates: