Affordable Florida RV Insurance Quotes

Q: What effects my RV Insurance Rates?

These factors effect RV Insurance rates: Type of vehicle Age of vehicle Condition of vehicle Amount and frequency of use Your driving history

AFFORDABLE RV Insurance

Save time and money with John Galt Insurance

RV INSURANCE

For your home away from home, we'll find you the right RV Insurance for your unique needs.

Hitting the road in your recreational vehicle (RV) or camper can make a lifetime of fun memories, however, accidents can happen when operating these types of vehicles. Whether you are living in your RV full-time or going on an adventure, we can find the right insurance for your individual needs.

John Galt Insurance is a Florida Independent Insurance Agency and we are experts in finding recreational insurance policies at affordable premiums. We represent top rated insurance carriers in Florida. We can help shop the market to find you the best policy without cutting coverages. Let us work for you

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WHY CHOOSE AN INDEPENDENT INSURANCE AGENT?

John Galt Insurance is a Florida Independent Insurance Agency which means you have the power to choose! More importantly, you get the benefits from making smart choices when it comes to the coverages you need to fully protect your most valuable items. That’s why we are the perfect match for you. Whether it’s comparing insurance plans continually, finding you the best rates or guiding you through the process if you so happen to need to file a claim, we always have you covered! After all, We work for you and not the insurance carriers.

With our network of top rated Insurance Carriers in Florida and our knowledge and expertise in Florida RV Insurance, you can rest assured we can take care of all your insurance needs.

COVERAGES

WHAT DOES RV INSURANCE COVER?

Recreational Insurance (RV) is not just for motorhomes. While all motorhomes are included under RV insurance, RV insurance is actually a broader insurance for any recreational vehicles. This includes boats, motorcycles, and ATVs.

RV insurance coverages varies and depends on your specific policy and can include common coverages like liability, collision, and more.

COMMON COVERAGES INCLUDE:

Bodily Injury Coverage

Collision Coverage

Property Damage Coverage

Uninsured Motorist Coverage

Comprehensive Coverage

Medical Coverage

These types of coverages help cover the cost of medical bills, repairs, and replacements when you incur damages due to a covered incident.

Depending on your unique needs, you may also choose to add optional coverages like : roadside assistance, vacation liability, or other specialized coverages.

RV INSURANCE QUOTES MADE EASY

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FREQUENTLY ASKED QUESTIONS

What types of vehicles does RV Insurance Cover?

There are several types of vehicles that can be covered by RV insurance, including:

Travel Trailers
RVs
Motorhomes
Pop-up Campers
Utility trailers.

If you’re unsure whether or not your recreational vehicle qualifies for coverage, please contact Wayne Lucas Insurance to learn more about your affordable insurance policy options.

What effects my RV Insurance Rates?

These factors effect RV Insurance rates:

Type of vehicle

Age of vehicle

Condition of vehicle

Amount and frequency of use

Your driving history

Should I cancel my RV Insurance when season is over?

While you are able to do cancel your policy after season is over, it’s not always the best option. If you cancel coverage on your RV when you’re not using it, the RV will have no coverage for anything that may happen to it while in storage. Although, t may be tempting to try and save some money but unexpected disasters like fires, floods, and theft can put your RV at risk if you cancel your coverage during the off-season. There are many carriers that have options for lower limits of coverage specifically designed for the off-season. This option allows you to keep the important coverages you need while you are not using your RV.

What are Florida's RV Insurance Requirements?

In the state of Florida, it is required by law for all motorhomes to be insured. Essentially, if you can drive it, You will need insurance for it. Campers, trailers, and fifth wheels that are towed behind a vehicle do not require their own insurance policy, but owners should consider purchasing ample coverage in the event of an accident. If you are financing your RV, your lender may require you to carry insurance regardless of what type of RV it is.

The minimum coverage you must carry on your RV in Florida is the same as the coverage required for other vehicles:

$10,000 Personal Injury Protection (PIP): This provides coverage for medical expenses for you and any of your passengers.
$10,000 Property Damage Liability: This provides coverage for damage caused to the other vehicle or property involved in the collision.

Can I add on my RV on my auto insurance policy?

An Auto insurance policy is not designed for Recreational Vehicles. An RV has unique risk exposures and there are additional coverages that are important to consider to help protect your investment.

What if I live in my RV Full-time?

If you are enjoying your RV full-time as your residences, you may need to purchase additional coverages that a basic Recreational Vehicle (RV) policy doesn’t offer.

A full-timers policy is a perfect fit for you if your RV is also your primary residence, this includes the following coverages:

Personal liability: Liability coverage on a full-timers policy can protect you against liability claims, even while your RV is parked.
Medical payments: If someone hurts themselves in or around your RV, medical payments coverage may pay for their medical bills.
Loss assessment: Loss assessment coverage can pay for any fees charged for repairs by local associations.