Florida RV Insurance

To be able to follow the open road and take all the amenities of home along is the dream of many. Having the same protection and peace of mind you would have at home in the event of some unforeseen event is another important part of that dream. Do not be misled into thinking that you can get this coverage through you car insurance company or you may find that at claim time you will be very disappointed.

Most auto insurance will not cover your personal belongings, and then there are attachments such as antennas and grills which need to be considered. Taking the time to consult with one of our friendly HIG Insurance agents may make more sense than you know. Our knowledgeable staff can show you all the important bases that need to be covered since they have seen some of the mistakes that others have made. It’s hard to think of all the options if you are not in the business. Who want to spend all their time doing research when you could be out exploring all the places to which your RV can take you? Let us help you with that process.

Some of the coverage your Florida RV policy should provide includes:

• Comprehensive Coverage - protection from just any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.

• Coverage for Attached Accessories - these include awnings, satellite dishes and TV antennas.

Then there are coverage options that you can use to customize your policy. These may be subject to company approval or may not be available in all states. The most popular coverage options are:

• Total Loss Replacement Coverage - this protects your motor home from the effects of depreciation. If your new-model motor home is destroyed within its first five years, you will be able to replace it with a brand new one of similar kind and quality – no matter what it costs. In years six through ten, you may get up to what you paid for it originally toward the purchase of another motor home.

This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value of your motor home at the time it’s destroyed. Especially if you took good care of your RV this may not be enough to replace it with something in even close condition.

• Emergency Expenses Coverage - will pay for lodging or a travel home if your unit is damaged or destroyed by a covered loss more than 50 miles from home.

• Campsite/Vacation Liability Coverage - will provide liability coverage when you are parked, and using your motor home as a residence.

• Replacement Cost Coverage – will replace personal belongings that may be destroyed or stolen.

• Towing and Roadside Assistance - so you don’t have to buy a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services can be accessed with just a phone call.

• Full-Timer Coverage - will provide liability protection very similar to a Florida homeowner’s insurance policy. While an auto policy will only provide liability protection when you are using your motor home as a vehicle, a Full-Timer policy covers you when you are parked and using your RV as a residence.

Florida RV Insurance