Florida RV Insurance Information
(Recreational Vehicle)

The value of good recreational vehicle insurance often doesn't become apparent until you really need it. Whether it's a
minor fender bender or a more substantial accident, it pays to have Florida RV insurance coverage you can count on.
Let one of our experienced Florida RV insurance policy specialists explain the different Liability limits, Comprehensive,
Collision, Personal Injury Protection, Uninsured Motorist, and Medical coverages, as well as Full Timer coverage,
Vacation Liability coverage, Total Lost Replacement Cost coverage for newer RV's, and the deductibles that are
available for you to choose from. We offer affordable recreational vehicle (RV) insurance policies from leading
insurance companies serving Florida.
RV Insurance Knowledge

Just like your solid concrete floored home, RV's are vulnerable to theft, as well as damage and risk of
property injury. An insurance company views an RV as a home because you can live in them for extended
periods of time.

Because of the high cost of most RV's, it's a good idea to purchase total replacement coverage, so that in the
event of a large accident that totals your RV you will be reimbursed for a complete replacement of the RV,
instead of only for its current market value.

RV Specific Insurance Coverages to Consider Include:

Vacation Liability - Pays for bodily injury and property damage that occurs at a vacation site, such as an RV
Park

Roadside Assistance - Covers charges when you break down and need help or run out of gas

Theft / Vandalism - Reimburses the owner for items stolen from the RV or damaged in a break-in theft

Property Damage - Pays to repair the damages an RV driver causes someone else

Uninsured / Underinsured Motorist - Covers repairs when the driver at fault doesn't have enough
insurance to cover the damages-or any insurance at all. This could be very important considering the cost of
your RV and the ability of someone elses insurance to cover the damage.

RV owners should take these RV specific coverage options into serious consideration before just adding their
RV to a regular car insurance policy.
Click on the link below to fill out a secure quote request form for a Florida RV Insurance policy that will provide
excellent RV insurance coverage at an affordable cost. Or you can speak with our Florida RV Insurance
specialist at (352) 686-0612 or (727) 863-5641 to discuss the insurance policy features in more detail.
We are a Hernando County Florida based insurance agency offering affordable
Florida RV insurance policy premiums in the following cities and counties:
Spring Hill, Hudson, New Port Richey, Holiday, Brooksville, Aripeka, Bayonet
Point, Port Richey, Gulf Harbors, Elfers, Anclote, Tarpon Springs, Palm
Harbor, Land O' Lakes, Masaryktown, Garden Grove Esates, Spring Lake,
Weeki Wachee, Bayport, Brooksville, Istachatta, Pineola, Nobleton, Bushnell,
Sumterville, Center Hill, Webster, Linden, Mascotte, Tarrytown, Ridge Manor,
Catherine, Trilby, Lacoochee, Dade City, Blanton, San Antonio, St. Leo,
Zephyrhills, Crystal Springs, Wesley Chapel, Pasco, Darby, Odessa,
Richland, Lumberton, Homosassa Springs, Hernando County, Pinellas
County, Citrus County, Hillsborough County, and Pasco County, FL. We can
also offer our Florida RV insurance coverage services throughout the
sunshine state, including Winter Haven, Lakeland, Miami, Orlando, Tampa,
St. Petersburg, Tallahassee, Ft. Lauderdale, and Jacksonville, FL.
Learn more about Florida RV Insurance policy coverage options below!
Covers damage caused to the owners RV from a collision caused by another auto,
RV, or other object. The deductible is the amount you choose to pay upfront (if any)
before the RV insurance policy pays. The higher the deductible chosen the lower the
collision coverage cost within the Florida RV insurance policy.
This coverage comes into play when an at-fault driver has RV, auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of RV insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident
caused by a driver who has insufficient RV, auto or motorcycle insurance
coverage. The RV insurance coverage typically pays the difference between the
coverage limit you select and the other driver's bodily injury coverage limit. This is
not a required Florida RV insurance coverage.
Underinsured Motorist Property Damage Coverage
Protects you if your RV is damaged in an accident caused by a driver who has
insufficient insurance coverage. This coverage pays the difference between the
coverage limit you select and the other driver's property damage coverage limit.
This is not a required RV insurance coverage in Florida.
Florida RV Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a Florida RV
Insurance policy that will provide excellent insurance coverage at an affordable
cost. Or you can speak with our Florida RV Insurance specialist at
(352) 686-0612 or (727) 863-5641 to discuss the policy features in more detail.
Covers damage caused to the insured's RV (your RV) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest.
The deductible is the amount you choose to pay upfront (if any) before the Florida
RV insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the Florida recreational vehicle insurance
policy.
Florida RV Insurance Policy FAQ
Florida RV Insurance Policy FAQ
Florida RV Insurance Policy FAQ
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an
RV insurance policy. This is not required in Florida unless you displayed a financial
irresponsibility following an accident. The minimum liability insurance coverage
available for purchase in Florida is 10/20 and is explained in detail below. However,
we recommend that you choose liability insurance coverage amounts that are much
higher than the minimums set by the state of Florida and are listed below. Contact
us at (352) 686-0612 or (727) 863-5641 to discuss what liability coverage amounts
you require to meet your family and personal needs.
Florida Liability Coverage limits explanation:
10/20/10 10=$10,000 - 20=$20,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, RV, car, truck, fence, or house, is covered through property damage
RV insurance coverage. This coverage also assists in protecting you if a lawsuit
arises from an accident. The minimum coverage amount in Florida is $10,000.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings,
neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.

$5,000 death benefit
Florida RV Insurance Policy FAQ
Florida RV Insurance Policy FAQ
Florida requires a minimum of $10,000 of (PIP) or personal injury protection
coverage. This coverage pays medical bills for injuries suffered in a RV accident
regardless of who caused the accident.
Medical payments coverage pays for the medical and funeral expenses for you or
others hurt or killed in an accident while riding in or driving your RV. Claims against
this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental,
professional nursing, prosthetic, and funeral expenses. It will also cover you or
members of your family if you are hit by a RV when you are walking or if you are
riding in another RV. This coverage will pay for your medical and funeral expenses
even if you cause the accident. The coverage is often limited to medical care you get
in the first one, two, or three years after the accident and is limited to a specific dollar
amount. This is not a required Florida recreational vehicle (RV) Insurance coverage.
Florida RV Insurance Policy FAQ
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.
Example of uninsured motorist limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at
fault driver who has no auto liability insurance. This coverage is not required for Florida
RV Insurance. Contact us to discuss what uninsured coverage amounts you require to
meet your family and personal needs.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
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Copyright 2002-2017 Bauknight Insurance - All rights reserved
Serving Pasco & Hernando Counties Since 1975
(352) 686-0612
(352) 519-4202 fax
10488 Spring Hill Drive
Spring Hill, Florida 34608
Hernando County FL
also Brooksville
(352) 796-0007

Florida RV Insurance Policy Information
In Pasco County Florida
Hudson (727) 863-5641
also New Port Richey
(727) 862-3287 and
Holiday (727) 863-5642
Fax: (727) 233-1718

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