Recreational Vehicle Insurance

For Deerfield Beach, Pompano Beach & Areas Across South Florida

Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities.

Liability Insurance For Recreational Vehicles

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

Property Coverage

After you've considered the potential liabilities you are exposed to while operating a recreational vehicle, it's time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.

In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.

Common RV Insurance Questions:

What Is Recreational Vehicle Insurance? 
Although you may not use your recreational vehicles the same way you do cars or motorcycles, they are still motor vehicles at risk of accidents, theft or fire. The costs arising from such hazards could create a significant financial burden for you. Recreational vehicle insurance can help reduce your out-of-pocket expenses when the unexpected happens. 

What Does Recreational Vehicle Insurance Cover? 
Recreational vehicles that can benefit from insurance coverage include ATVs, snowmobiles, dirt bikes, utility vehicles (UTVs), golf carts or motor scooters. Automatic Insurance can help you tailor your coverage to fit the unique specifications of the vehicle. Your policy can include:  

You can also add other coverage into your policy to make it specific to your operational risks. 

Am I Required to Buy Recreational Vehicle Insurance? 
Generally, you are not required by law to buy recreational vehicle insurance in Florida. However, there may be exceptions to this rule. Check with your Automatic Insurance agent to learn whether there are any special coverage requirements on your specific vehicle. And remember, even if you’re not technically required to purchase recreational vehicle insurance, it’s strongly recommended you do so to protect yourself financially. 

How Much Does Recreational Vehicle Insurance Cost? 
Numerous factors can influence the cost of your recreational vehicle insurance. With the help of Automatic Insurance, you won’t have to worry about getting affordable coverage. We can compare the policies within our coverage network to ensure yours offers great value for personalized protection. 

Additional Resources

• Florida Division of Insurance Agent and Agency Services
• Insurance Buyer’s Guides (The National Association of Insurance Commissioners (NAIC))