Do you need RV Insurance in Florida?
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RV Insurance
Before owning an RV, many states mandate that you purchase insurance policy coverage. Because of the innate high value of the RV, these insurance policies do not come in cheap.
But considering the amount that you need to put insured on your prized possession, you should not worry about the premium but about your security as the driver and the damages that your RV may suffer.
Some of the most common basic coverage mandated by the states include bodily injury liability, property damage liability, and personal injury protection.
Basic Recreational Vehicle Coverage
Bodily Injury Liability
If you encounter an accident with your RV, it is not impossible that anyone involved can suffer a physical injury.
Considering the heft and the rigid structure of the RV, the force that it may impact on people when running at high speeds is beyond our imagination. So it is important that you carry a bodily injury liability.
This type of liability coverage ensures that the damages you may cause to other people are covered. For instance, if you hit another car and the driver suffered physical injury as a result, this coverage will help you to pay off the medical bills that are used to treat the driver. It may also be used if you accidentally hit a pedestrian or sideswiped someone because of a miscalculation of your RV’s bulk.
Most of the states require this type of coverage since it is a must-have to safeguard your assets and interest if you are at fault for the accident that occurred.
Property Damage Liability
Next to the safety of the lives of people involved, the second most important consideration, when involved in an accident, is property damage.
RVs can cause a lot of damage to other properties and vehicles, especially if the other party involved is on a smaller one.
A car may get severely damaged if it is figured in an accident with an RV.
A motorcycle? Well, we don’t want to imagine.
If you own an RV, insurance coverage for property damage liability is a basic component.
It ensures that you can pay for the damage to another person’s vehicle or property.
Collision Insurance Coverage
Regardless of who caused the accident, or more technically who is “at fault,” collision coverage will help you pay the damage to your RV as a result of the accident.
It can also cover a motorhome that is more sophisticated and high-valued than a regular RV.
Collision coverage can also include an RV or motorhome rollover.
This type of coverage is important if you want to secure your assets in an event of an accident or an unwanted incident especially if you want to finance or lease your vehicle.
In most states, collision insurance coverage is generally required before you can lease your RV.
Comprehensive Insurance Coverage
Just like the comprehensive insurance coverage for other types of vehicles, comprehensive insurance helps to pay off damages to your RV caused by factors other than collision.
More commonly, “other than collision” damages refer to damages caused by vandalism, foreign objects, or theft.
One of the common problems encountered by RV campers is there side mirror or spare tire is stolen while they sleep at night. Other problems include a vandal on the sides or in the glasses or a burst tire from intentional poking with sharp objects.
Damages from the “acts-of-God” such as natural disasters are also covered by this coverage.
This may include fire, storm, hail, wind, floods, and other similar causes.
Medical Payment Coverage
If the accident is severe enough to get a person hospitalized, medical payment coverage is the best insurance coverage that you will be thankful for.
It will help you cover the medical bills that are used to treat your injuries or to the other party involved no matter who is at fault for the accident.
This coverage can also help you be cleared on emergency medical services given to the driver or passenger needing it such as saturation kits or oxygen tanks.
Uninsured Motorist
Though most of the states require that a driver carry an insurance policy before driving, there are still drivers out there without liability insurance. Generally, this is the worst situation that you may want to get involved in. If the other driver does not have insurance with him or cannot pay for injuries and damages, then you are subject to a stressful and head-scratching problem.
Hence, it is a wise move to invest in uninsured motorist coverage for your insurance policy. It will help you be protected against drivers who do not have liability coverage, and it will secure you, your passenger, and your RV.
It can also cover you for hit-and-run accidents and comes in handy when you encounter an uneventful situation of being involved with an uninsured driver.
Underinsured Motorist Coverage
Though many of the drivers own their car personally, it is a piece of common knowledge that we have varying financial capabilities.
Being said, every motorist has a varying capacity to pay off insurance premiums or upgrade to wider coverage.
Underinsured motorists refer to those drivers who are insured but do not have the needed coverage to pay off all the damages incurred because of the accident.
If you have underinsured motorist coverage, it will help protect yourself from the damages and injuries suffered as a result of the accident caused by underinsured drivers. It will help you be secure against unforeseen events involving drivers as such.
It can also cover a motorhome that is more sophisticated and high-valued than a regular RV.
Collision coverage can also include an RV or motorhome rollover.
This type of coverage is important if you want to secure your assets in an event of an accident or an unwanted incident especially if you want to finance or lease your vehicle.
In most states, collision insurance coverage is generally required before you can lease your RV.
Optional or ADD-ON Coverage
Notice that most of the basic RV insurance coverage is designed to help cover the injuries and the damages suffered after an accident. But aside from these considerations, there are still things that you may want to be covered for your RV insurance.
The next part will discuss other optional or add-on coverage that you may want to be included in your RV insurance policy.
Optional and Commonly-ADDED RV INsurance Coverage
Here are some of the additional insurance coverage that RV owners upgrade into:
Roadside Assistance
It is not a secret that owning an RV is almost always synonymous with long road trips and travels with the family.
Hence, you are very akin to traveling long distances on any given day. This activity gets you prone to emergencies such as flat tires, fuel exhaustion, faulty electrical systems, or a stalled battery.
A common additional coverage that RV owners buy is roadside assistance. This lets them ward off any issues immediately because of available roadside help, 24/7.
This coverage spans activities such as tire replacement, a jumpstart, or refueling. It may also cover expenses and fees that resulted from the interruption of your trip if you are 50 miles away from your stated home.
Though we do not know each other personally, maybe we can agree that it is better to travel knowing there is help available for you every time you need one.
Safety Glass Replacement
Traveling on open roads and long distances presents your RV with uncontrolled wear and tear. One of the RV parts that are more commonly damaged because of this is the windshield.
Being the one that faces all of the oncoming air pressure and motion, it is subject to strenuous activities while protecting you from the onslaught of wind and other dangerous particles.
Hence, getting this coverage is a must-have if your RV is prone to windshield damage.
Plus, it is like a “thank you card” for the often overlooked part of your RV. A little too dramatic, eh?
Towing and Labor Coverage
When out on a trip, one of the worst things that you may encounter is a stalled RV. It can be caused by a variety of factors which include the simplest ones such as a passive battery, or a severe one such as complete damage from an accident.
This type of coverage pays off towing services and added labor. This will also help pay for travel interruption expenses such as meals, board and lodging, and transportation.
Getting this coverage is an added advantage especially if you are going on long-distance trips.
Vacation Liability
Many of the RV owners do not settle for a one-and-done type of adventure.
Most of the time, they use their RVs as temporary residences and shelters so they can maximize their free time and adventures while out there basking on the heat of the golden sun.
This coverage helps you be secured if an accident happens if the RV is being used as a temporary residence.
Insurance providers can give up to $10,000 worth of coverage considering you have physical damage coverage under the collision and comprehensive coverage.
It is best to talk to your local insurance agent to get the best out of this coverage.
Replacement Costs
This type of coverage will benefit both the full-time and pleasure RV owners.
To distinguish between the two, a full-time RVer is the one who calls his RV home. They are the ones who designated their RV as their primary residence. On the other hand, a pleasure RVer is the one who goes on planned trips on weekends, holidays, or any other set day.
In this insurance coverage, you are helped to pay off any replacement to your RV and any other expenses resulting from such.
Frequently Asked Questions
How much does an RV insurance policy cost?
An insurance policy will generally depend on a number of factors.
Some of the classic factors that providers take into consideration are the vehicle type and value, geographical location, and the insurer themselves.
On average, a standard policy can cost you from $100 per year to $1,500 for a high-end, luxurious motorhome. Meanwhile, a more comprehensive insurance policy can set you back from $100 to $7,000 for annual premiums.
The general rule here is more expensive RVs have higher premiums.
Again, quality does not come in cheap, right?
What is the worst situation an RV owner can experience regarding insurance?
One of the worst situations to get into is when you are severely injured and your RV is a wreck but the other driver, who is at fault, has only basic coverage or no coverage at all.
In this situation, you may find yourself scrambling to pay off astronomical medical expenses for you and your passengers. You may also end up paying replacement or damage costs to your RV.
So, it is wise to invest in uninsured or underinsured motorist coverage to help you ward off any unwanted situations resulting from accidents with those types of drivers.
How Do I Choose the Right Amount of Coverage for Me?
There are many factors. It depends on what you do, the number of employees you have, your fleet of trucks or cars, and what the revenue of the business is. It is not based on any ONE thing. That is a conversation for you and your agent.
Is Anything Excluded?
Yes: anything to do with lead, asbestos, or silica is usually excluded. Also, any act of war or terrorism is usually excluded. Professional liability (errors and omissions) as well as discrimination and employment practice suits are generally excluded as well. This list is not exhaustive but does provide a gauge. You will need to read your own policy carefully to make sure you understand what is covered and what is not.
Where does insurance for personal effects and electronics fall under?
Many of the RVers invest in their personal effects and fixtures in their RV. As cool as it sounds, RVs can also be home to many people while on the road.
If your personal effects are subjected to vandalism or theft, comprehensive and collision coverage can help you address the need to recover or replace such permanent contents of your RV.
Improve your coverage, lower your costs and find out why DLR is becoming the first choice for your RV.
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