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RV Insurance Fort Myers FL

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RV Insurance in Fort Myers

If you own an RV, you probably like to hit the road when you travel. What better way to maximize your trip than drive there in comfort, while taking a piece of home with you! Think of how much of the experience you miss out on when you fly to your trips destination compared to driving there? Remember: It's not always about the destination, it's about the journey! With an RV you can extend what would be a one week trip into a month or more, while getting to really see where you going compared to skipping over it. As you can see, I am passionate about road trips, whether it be to the tailgate of my favorite sports teams next home game, or across country to my family's camping trip in Yellowstone National Park! Doing this things in a RV can add onto these experiences tenfold!

Like any road trip, you usually need a checklist to ensure you are prepared to hit the road and not look back for the duration of your travels. Make sure that the first thing you check on before you go is insurance for your RV. Like any road trip, there is a lot that can go wrong. Maybe your RV breaks down or you get a flat tire, leaving you stranded on the side of the highway. Or worst, maybe you are involved in a bad accident (unfortunately these things happen) and you or another party is hurt. Being prepared for your next Griswold Vacation starts with making sure you have the right coverage before you hit the road.

If you have purchased auto insurance, then you may be familiar with many of the coverages that you can purchase for your RV. Although Florida may only require you carry the state minimum limits to register your RV for road usage, you really are doing yourself an injustice by not checking out all the different coverage options that area available to you. In many cases going with higher limits of bodily injury liability, uninsured motorist, or other available coverage is not that expensive at all. Some of these coverage options include:  

  • Physical Damage (Comprehensive and Collison Coverage) – Can typically be done for Actual Cash Value (depreciated) or State Value.
  • Bodily Injury Liability (Liability to Other Party’s Injuries in event your at-fault in accident – 10/20 required in Florida)
  • Uninsured/Underinsured Motorist (Medical Coverage for your vehicles passengers if you’re found Not-At-Fault in Accident)
  • Personal Injury Protection & Property Damage (Required to even register vehicle in Florida)
  • Emergency Expense (you would be wise to carry this, and will be happy after an accident that you splurged on this rather inexpensive coverage option)
  • Vacation Liability (varies by company, if your using RV as temporary vacation residence)
  • Personal Effects (Cover your personal belongings within your RV!)
  • Medical Payments (Per person medical payments in the event of an accident)

 

Another reliable source for information on coverage for your RV is Trusted Choice, who we are proud members of!  Click the link below to visit their website:

TrustedChoice – RV Insurance 101
RV Insurance Fort Myers FL

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