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Southwest Florida (SWFL) Recreational Vehicle (RV) Insurance

Since motor homes contain items that cars don’t, Southwest Florida Recreational Vehicle (RV) insurance policies are often more complicated. A recreational vehicle functions as both your dwelling as well as your vehicle. That means the property inside the RV should also be covered. In fact, purchasing a Southwest Florida motorhome insurance policy with broader coverage is always a good idea for owners who travel and live in their vehicle for extended periods. Unlike other motor vehicles, your RV may contain flat-screen TVs, clothing, computers, plumbing, electrical components, camping gear, bicycles, appliances and personal belongings. These items are not only subject to theft but can be damaged during an accident, fire or other disaster.

Owning a recreational vehicle can be a dream come true. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. Should an accident happen – such as property damage, vandalism, or bodily injury as a result of a crash – it’s reassuring to know that your investment is protected.

New and Used Recreational Vehicle (RV) Insurance in Southwest Florida

Like operators of more conventional motor vehicles, RV drivers are required by law to have a minimum amount of liability protection. Southwest Florida Recreational Vehicle (RV) liability insurance provides important coverage for you, your family and others when an accident is deemed your fault and damages and/or injuries must be paid. For frequent travelers, a liability policy should also include protection for incidences that occur in the vicinity of their RV, such as while the vehicle is parked at a campsite. In addition, collision insurance can be a lifesaver when your new or used motor home is involved in a crash with an uninsured or underinsured driver. Some owners opt for total loss coverage just in case their RV is damaged beyond repair.

A few things to think about when considering a Southwest Florida recreational Vehicle (RV) Insurance policy:

RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.

You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include: Stated Value – market value/actual cash value of the RV, Agreed Value – the insured amount, regardless of the current market value and/or Replacement Cost – replace your insured RV with a new RV that is most like it
Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence.

Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.

Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.

Whether you use a small Class-C Recreational Vehicle to pull your bass boat or have plans to tour the country in a Class-A motor coach, Rider Insurance Group can help you develop an affordable Southwest Florida Recreational (RV) insurance plan for year-round peace of mind.

If you are looking for a quote for Southwest Florida Recreational Vehicle Insurance, give us a call and we can help.

Located in Estero, Florida; a family owned and operated business, Rider Insurance Group was originally established in 1999. We do not work for a specific insurance company; we work for you. We represent a carefully selected group of financially sound, reputable insurance companies, and we place your policy with the company offering the best coverage at a competitive price.