RECREATIONAL 

In Florida, recreational vehicle (RV) insurance generally means a policy that protects your RV against various risks, like accidents, damage, theft, and liability for injuries or property damage you cause while operating your RV. It's similar to car insurance but tailored to the unique needs of RV owners. 

Here's a breakdown of what it typically covers and some key points:

What RV Insurance in Florida Covers:

• Liability:

  This is crucial for any motorized RV (like motorhomes) as it covers your legal responsibility if you cause an accident that injures someone or damages their property. 

• Personal Injury Protection (PIP):

  Florida is a no-fault state, so PIP covers medical bills for you and your passengers in an accident, regardless of who is at fault. 

• Comprehensive and Collision:

  These optional coverages protect your RV from damage or loss, whether from accidents, theft, fire, weather, or other events. 

• Uninsured/Underinsured Motorist (UM/UIM):

  This coverage protects you if you're hit by a driver who doesn't have insurance or doesn't have enough coverage. 

• Medical Payments:

  This coverage helps pay for medical expenses for you and your passengers in an accident. 

Important Considerations:

• Motorized RVs (like motorhomes) require at least the minimum liability insurance required by law:

  This includes Personal Injury Protection (PIP) and Property Damage Liability. 

• Travel trailers and fifth-wheel campers are often insured through the towing vehicle:

  They typically don't require a separate policy for liability, but comprehensive and collision coverage can be added. 

• Full-time RVers need specialized insurance:

  This combines elements of auto and homeowners insurance to cover their RV and their home-like living quarters.