RV Insurance
We’ll shop and help you save on your Florida RV insurance.
RV Insurance
The short version: Florida requires insurance on motorized RVs (Class A, B, and C motorhomes) but not on towable RVs like travel trailers and fifth wheels. Most Florida RV owners pay between $150 and $4,000+ per year depending on RV type, value, and how it is used. Travel trailers start around $150. Class A motorhomes can run $1,000 to $4,000 or more. Augustyniak Insurance Group compares RV insurance from Nationwide, Progressive, National General, GEICO, and other carriers to find your best rate. Get your RV quote or call (904) 268-3106.
Florida is one of the best states in the country for RV owners. Year-round camping, hundreds of state parks, and no state income tax make it a natural fit for weekend travelers and full-timers alike.
But RV insurance in Florida is not the same as car insurance. Your RV is both a vehicle and a living space. It needs coverage that can protect the engine, the roof, the belongings inside, and the people around it. Standard auto policies do not do that.
Augustyniak Insurance Group is an independent agency in Jacksonville that compares RV insurance from multiple carriers. We are not locked into one company. We shop your quote across our RV markets and present your best options side by side.
Whether you drive a Class A diesel pusher, tow a Jayco travel trailer, or live full time in your Winnebago, this guide explains what Florida requires, what coverage you actually need, and what it should cost.
Is this guide for you?
- You just bought an RV and need insurance before your first trip.
Florida law requires liability coverage on motorized RVs before you can register them. - You already have RV insurance but have not shopped it in over a year.
Rates change. Carriers adjust pricing. A quick comparison could save hundreds. - You are a full-time RVer and need more than a standard recreational policy.
Full-timer coverage works more like homeowners insurance. Not every carrier offers it. - You tow a travel trailer or fifth wheel and are not sure if you need separate coverage.
Florida does not require it, but your trailer has limited protection without its own policy. - You want to add your RV to an umbrella policy for extra liability protection.
Umbrella eligibility depends on your RV liability limits. We can walk you through it.
Last updated: April 2026
How Much Does RV Insurance Cost in Florida?
RV insurance costs in Florida depend on the type of RV, its value, how you use it, and which coverage options you select. Motorized RVs cost more to insure than towable units because they carry their own liability.
| RV Type | Typical Annual Cost | Key Factors |
|---|---|---|
| Class A Motorhome | $1,000 to $4,000+ | Largest, highest value. Tiffin Phaeton, Newmar, Winnebago. Diesel pushers cost more. |
| Class B (Camper Van) | $500 to $1,000 | Compact. Winnebago Revel, Thor Sequence, Coachmen Beyond. Lowest motorized cost. |
| Class C Motorhome | $600 to $2,000 | Mid-size, truck/van chassis. Thor Four Winds, Jayco Redhawk, Coachmen Leprechaun. |
| Travel Trailer | $150 to $800 | No engine, towed by separate vehicle. Jayco, Keystone, Forest River. |
| Fifth Wheel | $300 to $1,000 | Larger towable. Grand Design Solitude, Keystone Montana. Over-truck-bed hitch. |
| Pop-Up / Folding Camper | $150 to $500 | Lowest value, canvas sides, seasonal use. Lightest and cheapest to insure. |
| Full-Time RV (any class) | $1,500 to $4,000+ | Primary residence, broader coverage needed. Requires full-timer endorsement. |
Ranges based on industry data from Progressive, Good Sam Insurance Agency, and national RV insurance surveys, 2025-2026. Individual rates vary by age, driving record, coverage selection, and carrier. Florida rates tend toward the higher end due to hurricane exposure and uninsured motorist risk.
The only way to know your exact price is to get a quote for your specific RV. Two Class A motorhomes of the same year can price very differently based on value, mileage, and where you store it.
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See What Your RV Insurance Should Cost
Tell us about your RV. We compare rates across our RV carriers and report back with your best options and a clear recommendation.
Takes 2 to 3 minutes · No obligation · Multiple carriers comparedWhat Does RV Insurance Cover in Florida?
RV insurance is a hybrid of auto insurance and property insurance. It protects the vehicle on the road, the living space when parked, and the people inside and around it. Here are the core coverage areas:
Liability
Can pay for injuries and property damage you cause to others. Florida requires $10,000 PIP and $10,000 PDL on motorized RVs. We recommend much higher limits.
Comprehensive
Covers theft, vandalism, fire, hail, hurricanes, falling trees, and animal strikes. Critical in Florida during hurricane season (June through November).
Collision
Pays to repair or replace your RV after an accident with another vehicle or object, regardless of fault. Usually required if you are financing.
Personal Belongings
Can cover electronics, clothing, camping gear, and other items inside the RV. Without this, a loss to your belongings would typically be a homeowners insurance claim, not an RV claim. We recommend adding this.
Uninsured/Underinsured Motorist
Florida has one of the highest rates of uninsured drivers in the country. This coverage can help pay for your injuries if an uninsured or underinsured driver hits your RV.
Vacation/Campsite Liability
Can provide liability coverage if someone is injured around your RV while it is parked at a campsite. Standard auto liability typically only applies while driving. This coverage helps fill that gap.
A client purchased a new RV. Two weeks later, he was camping in Asheville, North Carolina when the 2024 floods hit. He had to evacuate and leave the RV and all of his belongings behind.
The RV was filled with mud and totaled. His comprehensive coverage paid the claim. The belongings inside were also covered because he had personal effects coverage on the policy.
Two weeks of ownership. One catastrophic event. The right coverage made the difference between a devastating financial loss and a covered claim.
This is why we recommend comprehensive coverage and personal belongings coverage on every RV policy. You do not know when you will need it.
What Is the Difference Between Agreed Value and Actual Cash Value for RV Insurance?
This is one of the most important decisions you will make when choosing an RV insurance policy. The settlement type determines how much you receive if your RV is totaled or stolen.
Actual Cash Value (ACV)
Depreciated value at the time of loss
- Pays what the RV is worth today, minus depreciation.
- A 10-year-old RV that cost $80,000 new might only pay out $30,000 to $40,000.
- Lower premiums because the payout cap is lower.
- You may owe more on your loan than the insurance pays. Gap coverage can help.
- May make sense for older RVs with lower current value.
Agreed Value
You and your insurer agree on the value upfront
- In a total loss, you receive the full agreed amount with no depreciation deducted.
- That same $80,000 RV could pay the full agreed value if properly documented.
- Slightly higher premiums, but no surprises at claim time.
- Typically available on new or nearly new RVs. Older units may only qualify for ACV.
- Nationwide, Progressive, and National General offer agreed value on eligible units.
Some carriers also offer total loss replacement, which replaces your totaled RV with a brand-new model of the same or similar make. This is the strongest protection available.
Total loss replacement is typically only available when you purchase a brand-new RV and falls off after a few model years. The eligibility window is short. Ask your agent when quoting a new RV.
What Types of RVs Can You Insure in Florida?
We insure every type of recreational vehicle, from a Tiffin Phaeton diesel pusher to a Jayco travel trailer to a pop-up camper. Each one has different coverage requirements based on whether it has its own engine, how large it is, and how it is used.
| RV Type | Motorized? | Insurance Required in FL? | Key Coverage Notes |
|---|---|---|---|
| Class A Motorhome | Yes | Yes (PIP + PDL) | Highest value. Tiffin, Newmar, Winnebago, Thor. Towed vehicles (toad) need separate auto insurance policy. |
| Class B (Camper Van) | Yes | Yes (PIP + PDL) | Built on a van chassis. Winnebago Revel, Thor Sequence. Compact and growing in popularity. |
| Class C Motorhome | Yes | Yes (PIP + PDL) | Thor Four Winds, Jayco Redhawk, Coachmen Leprechaun. Over-cab sleeping area. Popular with families. |
| Travel Trailer | No (towable) | Not by state law | Jayco, Keystone, Forest River. Tow vehicle's liability extends while towing. Trailer needs separate comp/collision. |
| Fifth Wheel | No (towable) | Not by state law | Grand Design Solitude, Keystone Montana. Connects over the truck bed. Often higher value. |
| Pop-Up / Folding Camper | No (towable) | Not by state law | Canvas sides are vulnerable to weather and animal damage. Lowest cost to insure. |
| Toy Hauler | No (towable) | Not by state law | Built-in garage for ATVs, motorcycles, etc. Higher value due to dual purpose. |
Important for towable RV owners: While Florida law does not require insurance on travel trailers and fifth wheels, your lender almost certainly will if you are financing. And without a policy, your trailer has zero protection for theft, vandalism, storm damage, or a loss at the campground. We strongly recommend a standalone RV policy on any towable unit.
Do You Need Special Insurance If You Live in Your RV Full Time?
Yes. If your RV is your primary residence, a standard recreational RV policy is not enough. You need a full-timer policy that works more like homeowners insurance.
Standard RV insurance is designed for traveling and short-term use. A full-timer policy adds coverage for living in your RV around the clock.
That includes personal liability at your campsite, higher personal belongings limits, and protection that mirrors what a homeowners policy provides for a traditional home.
What full-timer RV insurance typically includes:
- Full-timer's liability.
Covers injury claims from guests or neighbors at your campsite, similar to a homeowners liability policy. Standard RV auto liability does not cover you when parked and living in the RV. - Higher personal property limits.
Full-time RVers keep more belongings in the RV than vacationers. Electronics, furniture, clothing, kitchen equipment. Your policy needs to reflect that. - Medical payments coverage.
If someone is injured in or around your RV, medical payments can cover their bills regardless of fault. - Loss assessment.
If your RV park or association levies a special assessment after a covered event, some full-timer policies help cover that cost. - Storage unit endorsement.
Many full-timers keep belongings in a storage unit while living on the road. Nationwide offers an endorsement that can cover your items in storage. Not all carriers include this. - Emergency expense coverage.
If your RV is damaged and uninhabitable more than 50 miles from home (or your primary campsite), this helps cover hotel, food, and travel while repairs are made.
Full-Time RVer? Weekend Explorer? We Cover Both.
Tell us how you use your RV. We will match you with the right policy type and compare carriers that fit your lifestyle.
No obligation · Licensed in Florida and GeorgiaCan You Add Your RV to a Personal Umbrella Policy?
Yes, in most cases. A personal umbrella policy adds $1 million or more in liability coverage on top of your existing RV, auto, and home insurance. It is one of the most affordable ways to protect your assets.
To qualify your motorized RV for an umbrella policy in Florida, most carriers require your RV to carry a minimum of 250/500 or 500/500 in bodily injury liability. That means $250,000 per person and $500,000 per accident, or $500,000 per person and $500,000 per accident.
Towable RVs like travel trailers and fifth wheels generally do not have separate umbrella requirements because liability is handled by the towing vehicle's auto policy.
What Drives Your RV Insurance Rate in Florida?
- RV type and class.
A $300,000 Tiffin Phaeton diesel pusher costs far more to insure than a $15,000 Jayco travel trailer. The replacement cost is the single biggest pricing factor. - How you use it.
Full-time RVers pay more than seasonal or weekend travelers because the RV has more exposure to risk. - Your driving record.
Clean records get better rates. Accidents and moving violations within the past three to five years affect pricing. - Where you store it.
An RV stored in a covered, fenced facility costs less to insure than one parked in a driveway or on the street. - Coverage type and deductibles.
Agreed value costs more than ACV. Lower deductibles mean higher premiums. Comprehensive and collision add cost but protect your investment. - Age and condition.
Newer RVs cost more to replace but may qualify for total loss replacement. Older RVs may cost less to insure but pay out less in a claim. - Florida-specific risk.
Hurricane season, high uninsured driver rates, and flood exposure all push Florida RV premiums higher than many other states.
How Do You Get RV Insurance in Jacksonville?
You Tell Us
Share your RV details: year, make, model, how you use it (weekend, seasonal, or full-time), and your current coverage if any.
We Compare
We run your quote across Nationwide, Progressive, National General, GEICO, and our other RV markets. Coverage, price, and carrier ratings, side by side.
You Choose
We present your best options with a clear recommendation. No pressure. You pick what fits your RV and your budget.
Most RV insurance reviews take one phone call. If you have multiple vehicles, a boat, or a home to bundle, we can review everything at once.
How Can You Save on RV Insurance in Florida?
- Bundle your RV with your home and auto.
Multi-policy discounts can save 10% to 25% depending on the carrier. This is the most common way we help clients reduce their total insurance spend. - Choose a higher deductible.
Moving from a $500 to a $1,000 deductible can lower your premium significantly. Just make sure you can cover the deductible out of pocket. - Ask about safe driver and claims-free discounts.
A clean driving record and no prior RV claims often qualify for lower rates. - Take an RV safety course.
Some carriers offer discounts for completing an approved RV driving or safety course. - Store your RV in a secure facility.
Covered or fenced storage with surveillance can lower comprehensive and theft premiums. - Install anti-theft devices.
GPS tracking, wheel locks, and alarm systems may qualify for additional discounts. - Pay annually instead of monthly.
Most carriers charge less per year when you pay the full premium upfront. - Suspend coverage during storage (carefully).
If you store your RV for several months, some carriers allow you to suspend collision and liability while keeping comprehensive active. Ask your agent before doing this. Dropping coverage entirely can create a lapse.
Ready to Compare Your RV Insurance?
Augustyniak Insurance Group has been protecting Florida families since 2005. With 80+ insurance companies, 2,250+ five-star reviews, and 12 consecutive years as a Three Best Rated agency, we find your best option.
Monday through Friday, 8:30 AM to 5:00 PMFrequently Asked Questions About RV Insurance in Florida
Is RV insurance required in Florida?
Yes, for motorized RVs. Florida law requires all motorized vehicles, including Class A, B, and C motorhomes, to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Towable RVs like travel trailers, fifth wheels, and pop-up campers are not required by state law to carry separate insurance, but your lender will likely require it if you are financing.
Do you need insurance on a travel trailer in Florida?
Florida does not require it by law because the tow vehicle's liability extends to the trailer while towing. However, the tow vehicle's policy does not cover physical damage to the trailer itself, its contents, or losses while the trailer is unhitched and parked. We recommend a standalone RV policy on every travel trailer, especially if you store it at a campground or RV park.
What is full-time RV insurance?
Full-time RV insurance is a specialized policy for people who live in their RV as their primary residence, typically more than 150 nights per year. It adds homeowner-like coverage including full-timer's liability, higher personal property limits, medical payments, and emergency expense coverage. We write full-time RV policies through Nationwide, National General, and other carriers.
What is the difference between agreed value and actual cash value for RV insurance?
Agreed value means you and the insurance company agree on the RV's value when the policy starts. If it is totaled, you receive that full amount. Actual cash value (ACV) pays the depreciated value at the time of loss, which is often much less than what you paid. Agreed value is the better option, but it is typically only available on new or nearly new RVs. Older units may only qualify for ACV.
Does RV insurance cover personal belongings inside the RV?
Not automatically on every policy. Personal belongings coverage (also called personal effects replacement) is an add-on with most carriers. Without it, a loss to your belongings inside the RV would typically fall under your homeowners insurance policy, not your RV policy. We recommend adding personal belongings coverage to your RV policy so the claim is handled in one place.
Can you add an RV to a personal umbrella policy in Florida?
Yes. Most umbrella carriers require your motorized RV to carry a minimum of 250/500 or 500/500 in bodily injury liability to qualify. Towable RVs do not have separate umbrella requirements because liability is handled by the tow vehicle's policy. A personal umbrella policy adds $1 million or more in extra liability for around $350 to $500 per year.
Does RV insurance cover hurricane damage in Florida?
Yes. If your RV policy includes comprehensive coverage, hurricane and windstorm damage is covered. This is one of the most important reasons to carry comprehensive on any RV in Florida, especially if it is stored outdoors. Hurricane season runs June 1 through November 30.
How much does Class A motorhome insurance cost in Florida?
Most Class A motorhome owners in Florida pay between $1,000 and $4,000 per year depending on the RV's value, how it is used, and coverage selection. Luxury diesel pushers can cost more. Full-time Class A owners typically pay toward the higher end of that range because they need broader coverage. The best way to know your price is to get a quote for your specific motorhome.
Is a camper van (Class B) cheaper to insure than a motorhome?
Yes. Class B camper vans are typically the cheapest motorized RV to insure, often running $500 to $1,000 per year. They have the smallest size and lowest replacement cost among motorhomes, which keeps premiums down.
Does Nationwide offer full-time RV insurance with a storage unit endorsement?
Yes. Nationwide is one of the carriers in our lineup that offers a full-timer policy with a storage unit endorsement. This covers your personal belongings stored in a separate storage facility while you live on the road. Not all carriers offer this, so it is worth asking about if you are a full-time RVer with items in storage.
Reviewed by Susan Augustyniak, CIC
Vice President, Augustyniak Insurance Group. Certified Insurance Counselor with 25+ years in the industry. Susan has led the Augustyniak Insurance team in Jacksonville since 2005, helping Florida RV owners, families, and businesses find the right coverage across 80+ insurance companies.
Page last reviewed: April 2026
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