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Whether you are purchasing a pop-up trailer or an RV reminiscent of a tour bus, keeping it properly insured is essential! Every state in the US requires RV insurance, and driving these large vehicles can cause significant injuries and significant damage to other vehicles and property in an accident. RV insurance keeps your property and others safe. To help you choose the right coverage, we’ve got a couple things to consider when shopping for RV insurance in Florida for your new home on wheels.
Class Type
The size and weight of your RV determine the coverage you need. Typically, auto policies can work for RVs under 10,000 pounds. All other RVs are classified into three class categories based on size:
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Class A: Includes luxury coach models, converted buses and motor coaches. These vehicles can be up to 75 feet long.
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Class B: The smallest class of RVs, these vehicles do not have a cab-over and can also include cargo van type designs, travel trailers, and camper vans.
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Class C: Includes vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area. Fifth wheel vehicles are covered in this class.
Use and Travel
The amount of time you will be spending in your RV plays a significant factor in the type of insurance you need. Making an RV your permanent residence will require a full-time RV insurance policy. These policies are a hybrid between homeowners and RV insurance. Where you are traveling in your RV is also a factor in your insurance policy. If you are leaving the country or crossing state lines, let your independent insurance agent know.
RV insurance can seem overwhelming, but with the help of an independent insurance agent, you'll be safe, secure and out on the open road in no time! If you have questions about insurance in Orlando or RV insurance in Florida, reach out to us! At Harrell Insurance, we are happy to help!
