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 coverage, 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.
We are a Davie, FL insurance agency offering affordable Florida RV insurance policy
premiums in the following cities and counties: Coral Springs, Fort Lauderdale, Parkland,
Coconut Creek, Margate, North Lauderdale, Lighthouse Point, Hillsboro Beach, Deerfield
Beach, Boca Raton, The Hamptons, Highland Beach, Weston, Plantation, Playland Isles,
Melrose Park, Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park, Lauderdale
Lakes, Sea Ranch Lakes, Villages of Oriole, Pompano Beach, Lauderdale-by-the-Sea,
Boca West, Delray Beach, Boca Pointe, Boynton Beach, Lantana, Rainbow Lakes,
Atlantis, Lake Worth, Miami, South Palm Beach, Palm Springs, Greenacres, Wellington,
Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach,
Lake Park, Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach, Loxahatchee,
Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton, Perrine, Naranja,
Homestead, Florida City, Leisure City, Richmond Heights, Pinecrest, Howard, Coral Way
Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North
Bay Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami
Shores, Medley, Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park,
Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol
City, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach,
Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach,
Hallandale Beach, Ives Estates, Pembroke Park, Coral Gables, Kendall, Dania Beach,
Cooper City, West Miami, Hollywood, Broward County, Palm Beach County, and Miami
Dade County, FL. We can also offer our Florida RV insurance coverage services
throughout the Sunshine state, including in Orlando, Tampa, St. Petersburg, Sarasota,
Tallahassee, Gainesville, Ocala,and Jacksonville, FL.
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
(954) 434-6515 to discuss the insurance policy features in more detail..
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
(954) 434-6515 to discuss the insurance 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 (954) 434-6515 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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Florida RV Insurance Information
FCI Insurance Agency
& Auto Tag Service
8230 Griffin Road
Davie, Florida 33328
Broward County FL
(954) 434-6515
Fax: (954) 434-6524

Florida RV Insurance Information
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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.