Embark on a sun-soaked journey with Roamly, your trusted ally for motorhome insurance in Florida. From the vibrant beach towns to the lush Everglades and all the magical spots in between, our specialized RV insurance in Florida ensures every mile of your Sunshine State adventure is both secure and serene.
Understanding the diverse needs of every traveler, we tailor RV coverage to suit a variety of journeys. Whether you're a weekend explorer soaking up the coastal beauty or a full-timer navigating the scenic byways, our Florida RV Insurance is designed to provide peace of mind. With a focus on the unique aspects of local life, such as the need for comprehensive weather-related coverage and protection against high rates of uninsured motorists, we ensure your travels are worry-free.
In Florida, where the sun shines bright, Roamly brings you brighter savings and solid protection for your RV adventures!
At Roamly, we offer coverage options that cater to a wide variety of RV owners:
Full-time RVers: Individuals who live in their RV year-round and need comprehensive protection for their homes on wheels.
Weekend Warriors: Part-time adventurers who embark on weekend getaways or seasonal trips throughout Florida's scenic routes.
DIY Builds: Owners of custom-built or converted campervans who need insurance tailored to their unique vehicles.
Commercial RV Owners: Entrepreneurs who use RVs for rental businesses, mobile offices, or travel accommodations.
Snowbirds: Seasonal residents escaping colder climates to enjoy Florida's warm winters.
In Florida, RV insurance requirements depend on the type of RV you own:
As motorized vehicles, motorhomes must meet the state's minimum auto insurance requirements:
Personal Injury Protection (PIP): Minimum of $10,000
Property Damage Liability (PDL): Minimum of $10,000
Note: Given the size and potential damage that motorhomes can cause, it's advisable to carry higher liability limits than the state minimum.
No Separate Insurance Required: Non-motorized RVs, like travel trailers and fifth wheels, are typically covered under the liability portion of the towing vehicle's auto insurance while on the road.
Additional Coverage Recommended: To protect your trailer against physical damage, theft, or loss, a separate RV insurance policy is recommended.
RV insurance costs in Florida vary based on several factors:
Type of RV: Class A motorhomes generally cost more to insure than Class B or C, due to their size and value.
Usage: Full-time RVers may face higher premiums than part-time users.
Driving History: A clean driving record can lower your rates.
Coverage Level: Higher limits and additional coverages increase premiums.
Location: Coastal areas may have higher rates due to increased risk of hurricanes and flooding.
Motorhomes: Typically range from $1,000 to $4,000 per year.
Travel Trailers: Generally range from $300 to $1,000 per year.
However, Roamly customers can save up to 35% on their premiums compared to other RV insurance companies, thanks to our specialized and competitive rates.
Whether you're a part-time adventurer or a full-time RVer, you can customize comprehensive coverage to suit your needs.
For weekend warriors and part-time RV owners, we provide a variety of coverage options:
Collision Coverage: Covers damage to your RV in case of an accident.
Medical Payments Coverage: Provides for medical expenses in the event of an accident.
Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver without adequate insurance.
Roadside Assistance: Helps you in case of a breakdown or emergency on the road.
Tire & Wheel Coverage: Provides protection for tire blowouts or wheel damage.
For full-time RVers, we extend our coverage to include the following:
All the coverage options available for short-term coverage, plus:
Full-Timer's Liability: Provides liability coverage similar to a homeowner's policy when your RV is parked and used as a residence.
Personal Property Coverage: Protects your belongings inside the RV, including electronics, clothing, and other personal items.
Scheduled Medical Payments: Higher limits on medical expenses after an accident.
Loss Assessment: Covers fees associated with damage to shared property in RV parks or campgrounds.
Emergency Expense Coverage: Reimburses you for unexpected costs such as lodging or transportation if your RV is disabled due to a covered loss.
Adjacent Structures Coverage: Protects other structures, such as awnings or satellite dishes, that may be attached to your RV.
Diminishing Deductibles: Reduces your deductible the longer you remain claim-free.
No matter what kind of RV lifestyle you have, we have the right coverage options to give you peace of mind on the road and at home.
Roamly Helps You Save on Florida RV Insurance
* New Roamly customers getting personal policies for travel trailers and Class B RVs tended to see the largest savings of 35% or more off their existing policies when getting comprehensive coverage in 2023. Commercial customers who saw the largest savings while switching to Roamly typically covered between 3-5 vehicles and switched from an existing commercial policy.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.