RVs open the doors to months of adventure, allowing you to explore hidden corners of the country without leaving the comforts of home behind. However, they are vulnerable to more risks than other vehicles, whether you’re on the road or spending the night in an RV park. If you’re thinking of getting a recreational vehicle, the following guide answers some common questions you might have about insuring your new home-on-wheels.

An RV Owner's Guide to Insurance

How much insurance are you required to carry?

In Florida, every driver is required to carry personal injury protection (PIP) and a minimum of $10,000 in property damage liability coverage. However, because RVs are among the largest, heaviest vehicles on the road, this may not be enough to pay for the costs resulting from an accident. Most experts recommend buying liability coverage equal to the value of all your other assets.

What does RV insurance cover?

The basic RV insurance policy in Florida covers 80% of your own medical expenses, no matter who was at fault for the situation. It also pays for property damage resulting from an accident you caused. Your policy may also include underinsured motorist coverage, which pays for damages caused by another driver with insufficient insurance.

If you’re still making payments on the vehicle, your lender will likely require you to carry collision and comprehensive insurance. These policies cover your own damages if you cause an accident, as well as storms, theft, and other potential hazards when your RV isn’t on the road.

What other coverage do you need?

Along with the standard coverage, RV insurance providers offer additional policies that provide peace of mind. For instance, roadside assistance add-ons can help if you’re stranded on the side of the road, and some policies will cover towing if your RV needs to be taken to a shop. You can also add trip interruption insurance, which will pay for the cost of a hotel while your vehicle is getting repaired.

Do RV parks require insurance?

Most RV parks and campgrounds require drivers to show proof of insurance before parking for the night. This protects other campers from damage if you accidentally bump another vehicle or damage another visitor's property while parking.

If you’re looking for an affordable RV park in the St. Petersburg, FL, area, Robert's Mobile Home and RV Resort offers modern amenities and an incredible location. They’ve been serving drivers and campers throughout the area for over 60 years, and they have spaces for overnight and short-term RV parking, as well as long-term stays. Learn more about the facility on their website, and connect on Facebook for news and updates. Call (727) 577-6820 to inquire about space availability and book a stay.