Florida motor home and RV Insurance

A motor home can bring certain freedoms when you're on the road. Of course, you're careful as you navigate your home-on-wheels on the open road, but have you put other important protections in place? If you own a motor home or if you're thinking about buying one, here some somethings to consider about Florida motor home insurance.

With literally hundreds of RV parks and campgrounds, coupled with year-round weather forecasts of sunny skies and warm temperatures, Florida is the RV enthusiast's paradise. As the popularity of RV ownership increases, however, so too do the number of accidents and incidents that only an RV insurance can protect you from.

If you drive your RV, rather than tow it behind your vehicle, Florida state law requires you to carry insurance on it. It is important to remember, however, that Florida has some of the lowest minimum liability standards of any state. You may find it necessary to carry additional coverage over the state's minimum requirements, especially considering how costly RV accidents can be for those involved. You can also bundle your RV insurance with your auto insurance policy to save money on your annual premiums.

Minimum Coverages
• $10,000 personal injury protection
• $10,000 property damage liability

Personal Injury Protection
• Coverage pays for your injuries if you are in an accident.
• 80% of reasonable medical expenses
• 60% of the wages you lose
• $5,000 in death benefits

Property Damage Liability
Covers damages to personal property

If you are not protected by these coverages and are at fault in an accident, your license will be suspended until you pay for medical expenses you are liable for. Contact Blue Sky Insurance® today for rates quotes from over 70 quality insurance carriers. Or complete our online Florida insurance quotes page