With its unlimited scenic vistas, The Sunshine State of Florida is the perfect place to begin your RV adventure. Before hitting the road, you’ll want to ensure everything is in place to keep you, your vehicle, and others on the road as safe as possible.
In Florida, any vehicle you can drive on its own requires insurance. In many ways, the requirements of RV insurance function quite similarly to the insurance required for any other operable vehicle in the state.
Florida requires all motorists to carry liability coverage. The exception arises in the care of towable travel trailers, campers, and fifth wheels, which fall under the liability coverage of the vehicle to which it’s attached. If the RV is only being towed and not driven, insurance is not legally required. Zenith Insurance Group is here to provide Pinellas County RV owners with more information.
Florida RV Insurance Requirements
Large vehicles like RVs have the potential to cause significant harm in the event of a collision or wreck. There are specific minimum requirements that every registered vehicle in Florida must have:
- A minimum of $10,000 for Personal Injury Protection (PIP) and $10,000 for Property Damage Liability (PDL)
- Continual coverage, even if the vehicle is inoperable or not being driven
- A policy from a licensed insurance carrier in Florida
- Continuous Florida insurance coverage throughout the vehicle’s registration period
Full-time RV insurance is available for people who plan to spend more than 150 nights out of a year living out of their RV. This type of insurance is more of a mix between auto and home insurance. To better understand your RV insurance options, contact our experts at Zenith Insurance Group, serving Pinellas County and surrounding areas.