RV Insurance in Orlando & Central Florida

Motorized RVs (Class A, B, and C) must meet Florida's auto insurance financial responsibility requirements — at minimum PIP and Property Damage Liability. Towable travel trailers don't require their own policy (they're typically covered under your tow vehicle's liability), but carrying dedicated coverage is strongly recommended for physical damage and personal contents.

Part-time policies work for weekend and vacation travelers. Full-timer coverage treats the RV more like a primary residence and adds full-timer liability, loss assessment, and higher personal effects limits — essential for anyone living in their RV more than 5–6 months per year.

Yes — personal effects coverage addresses items inside the RV when it's parked or in motion. Standard limits typically start around $1,000–$3,000 but can be raised substantially, which we regularly do for retirees who travel with full household contents.

Vacation liability provides homeowners-style liability when your RV is parked at a campground and used as a temporary residence. If a guest is injured at your campsite, this is the coverage that responds. It's often included free or for minimal additional premium.

Comprehensive coverage responds to wind, hail, flood, and named-storm damage. Given Florida's hurricane exposure, we always recommend comprehensive on any RV stored in the state. Secure storage (covered/indoor) can lower both premium and claim risk.

Yes — you can write a standalone travel-trailer policy that covers physical damage, personal contents, and liability while parked. Liability while in transit typically follows the tow vehicle's auto policy, so both sides should be reviewed together.