Hendrickson Insurance
Hendrickson Insurance
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.
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.
Physical damage from theft, weather, collision, vandalism, and animal strikes. Many RVs are valued well into six figures and need proper limits.
Contents coverage for everything inside the RV: clothes, electronics, kitchen equipment, outdoor gear. Standard RV policies include limited amounts; higher limits available.
Premises liability when the RV is parked and used as temporary lodging. Covers slip-and-fall and similar exposures while camped.
For owners who live in the RV as primary residence. Adds liability protection, higher personal property limits, and loss of use coverage.
Hotel and travel costs if the RV becomes uninhabitable from a covered loss while you are traveling.
Yes. A motorhome is not covered adequately by a standard auto policy, and a travel trailer is not covered by your homeowners once it leaves the driveway. RV insurance is built for the vehicle: liability on the road, physical damage to a unit that can be worth far more than a car, contents inside, and, for many owners, roadside and full-timer coverage. Florida is one of the biggest RV states in the country, and the coverage should match how you actually use it.
If you live in the RV full-time, you need something close to a homeowners equivalent built into the policy, personal liability and contents, not just auto coverage. If you are a seasonal or weekend owner, we can keep it lean. Either way, we write RV coverage for owners across Sarasota, Bradenton, Tampa, and the Gulf Coast.
Call 941-952-7991 with the year, make, and how you use it.
Class A, B, C motorhomes need their own policy; auto does not extend to them.
02 / Related CoverageFlorida RV accident exposure can exceed underlying limits.
03 / Related CoverageRecreational vehicle category.
04 / Related CoverageRecreational vehicle category.
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.
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.
Call 941-952-7991. Have your RV make, model, year, VIN, length, value, and usage details (recreational, snowbird, or full-time) ready.
Call 941-952-7991 or schedule online. Same-day quotes for most RVs.
Dennis Hendrickson changed a New Jersey state tennis rule at 17 and played four years of Division I tennis at UNC Charlotte. Today he writes both the commercial and the personal insurance for Gulf Coast owners himself, and he works a renewal or a claim the way he played: nothing conceded, no point given away.
When you apply, he answers. Every application goes straight to Dennis. He reads it himself and responds the same business day in most cases, always within 48 hours.
Read the story → Start a quote →