Does my Florida auto insurance cover my RV?

Towable RVs (travel trailers, fifth wheels, pop-ups) typically extend liability from the towing vehicle's auto policy when in transit, but the RV itself needs separate physical damage coverage. Motorized RVs (Class A, B, and C motorhomes) need their own RV policy entirely. Either way, contents, full-timer's coverage, and emergency expense reimbursement come from the RV policy, not auto.

What's full-timer RV insurance?

Full-timer's insurance applies when you live in your RV as your primary residence. It adds liability coverage similar to a homeowners policy: premises liability when parked, personal property coverage at higher limits, and loss of use coverage. Critical for anyone who uses an RV as a full-time home rather than recreational vehicle.

How do I quote Florida RV insurance?

Call 941-952-7991. Have your RV make, model, year, VIN, length, value, and usage details (recreational, snowbird, or full-time) ready.

RV. Personal Lines

Florida RV insurance,
Class A, B, C, and towables.

Florida RV and motorhome insurance from Hendrickson Insurance. Class A, B, and C motorhomes, travel trailers, fifth wheels, pop-up campers, and toy haulers. Recreational, snowbird, and full-timer programs through Progressive RV plus specialty RV carriers. Serving Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.

Call 941-952-7991 Schedule a Call

Coverage Components

An RV policy has more parts than auto.

Liability

Bodily injury and property damage you cause while operating the RV. Coordinated with your auto liability if the RV is towed by a personal vehicle.

Comprehensive & Collision

Physical damage from theft, weather, collision, vandalism, and animal strikes. Many RVs are valued well into six figures and need proper limits.

Personal Effects

Contents coverage for everything inside the RV: clothes, electronics, kitchen equipment, outdoor gear. Standard RV policies include limited amounts; higher limits available.

Vacation Liability

Premises liability when the RV is parked and used as temporary lodging. Covers slip-and-fall and similar exposures while camped.

Full-Timer's Coverage

For owners who live in the RV as primary residence. Adds liability protection, higher personal property limits, and loss of use coverage.

Emergency Expense

Hotel and travel costs if the RV becomes uninhabitable from a covered loss while you are traveling.

Coming Soon

More RV and motorhome detail coming soon.

Expanded content covering Class A diesel pusher programs, agreed value vs replacement cost for newer RVs, towable trailer rate optimization, hurricane storage credits, and snowbird seasonal-use policies is coming. In the meantime, call 941-952-7991 for a quote.

Florida RV insurance,Class A, B, C, and towables.

An RV policy has more parts than auto.

More RV and motorhome detail coming soon.

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Florida RV insurance,
Class A, B, C, and towables.