Get Florida RV Insurance That Covers Your Rig Year-Round

Florida requires $10,000/$10,000 liability coverage for all motorized RVs. That's $10,000 for Personal Injury Protection (PIP) to cover your medical expenses regardless of fault, and $10,000 for Property Damage Liability (PDL). Travel trailers don't legally require separate insurance, but your auto policy won't cover damage to the trailer itself.

Roamly may insure the full spectrum of Florida RVers: weekend warriors escaping to the Keys, full-timers chasing 70-degree winters, DIY Sprinter builds, and rental hosts listing on Outdoorsy and RVshare. Coverage terms, conditions, and availability vary by state and policy. See policy for details. If you're renting out your rig, most carriers exclude peer-to-peer coverage. We may offer coverage that others don't. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

Most Florida RVers pay $700 to $1,500 per year for part-time coverage, while full-timers with expanded protection typically pay $1,500 to $4,000 annually. Roamly customers can save up to 35% on RV insurance in Florida compared to traditional carriers. Coverage terms, conditions, and availability vary by state and policy. See policy for details. We specialize in recreational vehicles, which means better rates and coverage built for how you actually use your rig.

Who We Insure

Roamly covers the full range of Florida RV owners:

• Full-Time RVers: If your RV is your primary residence for more than 150 nights a year, we may offer full-timer protection that works like homeowners' insurance with liability, personal property, and emergency expense coverage. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
• Weekend Warriors: Do you use your rig for Keys trips, Everglades camping, or beach weekends? We may offer part-time RVers flexible policies that match your seasonal travel schedule. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
• DIY Builds & Van Conversions: We may insure custom Sprinter builds, upfitted ProMasters, and owner-modified rigs for their actual value, not a depreciation table that ignores your $40,000 buildout. Coverage terms, conditions, and availability vary by state and policy. See policy for details.
• RV Rental Hosts: List your motorhome on Outdoorsy or RVshare without breaking your policy terms. Most insurers exclude peer-to-peer rentals. Roamly policyholders may be able to rent their rigs and stay covered. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

What are the Minimum RV Insurance Requirements in Florida?

Florida requires liability insurance for all motorized RVs (motorhomes, Class A/B/C) with the following minimums:

• $10,000 for Personal Injury Protection (PIP) per person
• $10,000 for Property Damage Liability (PDL) per accident

Source:Florida Department of Highway Safety and Motor Vehicles Requirements vary by state — check your state's Department of Insurance for current minimums.

Florida is a no-fault state, which means PIP may cover your medical expenses after an accident regardless of who caused it. Travel trailers and fifth wheels don't require separate liability insurance since your tow vehicle's policy extends coverage while towing.

However, these minimums won't come close to covering serious hurricane damage or a totaled rig. Florida sits directly in Hurricane Alley, so between June and November, comprehensive coverage isn't optional if you want to protect your investment. One Category 4 storm can flood an RV park, shred awnings, and total units stored on the coast. If you're anywhere near the Gulf or Atlantic during storm season, you should consider coverage beyond the state minimums.

How Much Does RV Insurance Cost in Florida?

RV insurance rates in Florida depend on your rig type, how often you use it, and your driving history. Here's what most Florida RVers pay:

• Part-Time RVers: $700 to $1,500 per year
• Full-Time RVers: $1,500 to $4,000 per year
• Liability-Only (minimum): $125 to $400 per year

Rates in Florida run slightly higher than the national average due to hurricane risk, year-round usage, and coastal exposure. Your specific cost depends on your RV's value, where you store it, and whether you park it inland or on the coast during storm season.

Roamly customers can save up to 35% on Florida RV insurance compared to other providers. Coverage terms, conditions, and availability vary by state and policy. See policy for details. We shop multiple carriers and specialize in recreational vehicles, which cuts out the markup you'd pay with a generalist insurer who treats your Class A like an oversized sedan.

Coverage Options for Part-Time and Full-Time Florida RVers

Whether you use your RV for occasional getaways or live in it year-round, you can customize coverage to fit your needs.

Part-Time / Weekend use coverage:

• Liability Coverage: Required by Florida law. Pays for injuries and property damage you may cause to others.
• Collision Coverage: May repair your RV after an accident, regardless of who is at fault.
• Comprehensive Coverage: May cover theft, fire, hurricanes, flooding, vandalism, and hail. This is critical in Florida.
• Uninsured/Underinsured Motorist: May protect you if hit by a driver without adequate insurance.
• Medical Payments Coverage: May pay medical bills for you and passengers after an accident.
• Roadside Assistance: Towing, tire changes, jump starts. RVs need specialized service.
• Vacation Liability: Coverage for incidents at your campsite when parked.

Full-Time / Live-In coverage:

Everything above, plus protections designed for RVers whose rig is their primary residence:

• Full-Timer's Liability: Similar to homeowners' liability. Covers you when your RV is parked and used as a home.
• Personal Property Coverage: Protects your belongings inside the RV up to your policy limit.
• Scheduled Personal Property: Higher limits for expensive items.
• Loss Assessment Coverage: May pay fees if you damage shared property at an RV park.
• Emergency Expense Coverage: May reimburse lodging and transportation (up to $7,500) if your RV is disabled.
• Adjacent Structures Coverage: May protect attached structures like awnings and satellite dishes.
• Diminishing Deductibles: Your deductible may drop for every claim-free year.