Liability
For motorhomes, pays for injury or property damage you cause to others while driving, up to your policy limits. Travel trailers rely on the tow vehicle's auto policy for towing liability.
RV, Motorhome & Travel Trailer Insurance
RV, Motorhome & Travel Trailer Insurance in Florida and Georgia
Liability, comprehensive and collision, contents, vacation liability, total loss replacement, and full-timer coverage for Class A, Class B, Class C motorhomes, travel trailers, and 5th wheels. We compare specialty RV carriers and explain the difference between recreational and full-time coverage before you bind.
Why this matters
RV coverage written for how you actually use it.
RV insurance splits into two very different policy forms. Motorhomes (Class A, B, and C) are motor vehicles under Florida law, so they need auto-style liability plus RV-specific endorsements for contents, awnings, and vacation liability. Travel trailers and 5th wheels are non-motorized, so the trailer's own policy handles physical damage and contents while the tow vehicle's auto policy covers liability while it's being towed. Same vehicle category, two completely different coverage approaches.
Within both, the right coverage depends on whether you're a weekend user or a full-timer, whether the RV is new enough for total loss replacement, where you store it during hurricane season, and whether you intend to rent it out through peer-to-peer platforms. We'll match the policy form to the actual use case, not whichever quote a carrier can issue fastest.
What's covered
What RV coverage includes.
Comprehensive and collision
Covers physical damage to the RV from accidents, theft, fire, vandalism, weather, and animal strikes, up to the agreed or actual cash value.
Personal effects and contents
Covers belongings inside the RV: clothing, electronics, kitchen gear, outdoor equipment, and similar items, up to a sublimit. Full-timers usually need higher limits.
Vacation liability
Provides liability coverage while the RV is parked and used as a temporary residence, such as at a campground. A small premium that closes a common coverage gap.
Uninsured / underinsured motorist
Protects you on motorhomes if you're hit by a driver with no insurance or not enough coverage to pay your medical or repair costs.
Roadside assistance and emergency expense
RV-specific roadside coverage that recognizes RV size, weight, and tire types. Emergency expense pays for lodging and travel home when your RV is disabled on a trip.
Gaps
What RV coverage doesn't cover.
Renting on Outdoorsy, RVshare, or similar platforms
Standard personal RV policies exclude commercial use, including peer-to-peer rentals. Platform-provided insurance often has coverage gaps that your personal policy will not fill.
Full-timing without a full-timer endorsement
Recreational RV policies are written assuming the RV is used for trips, not as a primary residence. Living in the RV full-time without the proper endorsement can leave you without homeowners-style liability coverage.
Wear, tear, and mechanical breakdown
RV policies cover sudden accidental damage, not engine wear, transmission failure, slide-out mechanism breakdown, or routine deterioration. Mechanical breakdown coverage is a separate product.
Custom equipment above the sublimit
Aftermarket additions like solar arrays, satellite systems, custom paint, and upgraded interiors can quickly exceed the default sublimit for adjacent structures and accessories. Higher-value modifications need to be scheduled.
Driving outside the US and Canada
Most US RV policies extend into Canada but not Mexico. Crossing into Mexico without a Mexico-specific policy can leave you uncovered south of the border.
Off-road or unimproved-road use
Standard RV policies are written for paved roads and developed campgrounds. Boondocking on forest roads, beach driving, or extended off-grid travel may not be fully covered depending on the carrier and policy form.
State knowledge
What to know about RV insurance in Florida and Georgia.
Florida
Motorhome: PIP + PDL required
No CDL needed
Hurricane exposure
Florida treats motorhomes as motor vehicles, so Class A, B, and C motorhomes need the same minimum insurance as autos: $10,000 PIP and $10,000 PDL. Florida exempts recreational vehicles from commercial driver's license requirements regardless of size, so a standard Class E license is sufficient for any privately operated motorhome. Travel trailers are not separately required to carry insurance because the tow vehicle's auto policy covers liability while towing. Hurricane season (June 1 through November 30) drives many Florida RV owners to plan storage and lay-up carefully.
Georgia
Motorhome: 25/50/25
No CDL needed
Mostly inland travel
Georgia requires the same 25/50/25 liability minimums for motorhomes as auto. Georgia also exempts recreational vehicles from commercial driver's license requirements, so a standard Class C license covers any size motorhome operated for personal use. Travel trailers are covered by the tow vehicle's auto policy for towing liability. We write RVs in both states from our offices in Saint Augustine and Saint Johns.
Limits
Coverage limits to consider.
The first decision on RV coverage is the policy form: recreational or full-timer. A recreational policy assumes the RV is used for trips and stored between them. A full-timer policy is built around the RV being a primary residence and adds liability and personal property protections similar to a homeowners policy. Putting a full-timer on a recreational policy is one of the most common and expensive mistakes we see when reviewing existing coverage.
Liability limits on motorhomes work like auto. Florida's $10,000 PIP and PDL minimums or Georgia's 25/50/25 minimums are the floor, not the recommendation. For motorhomes that travel widely or are operated by multiple drivers, higher liability and a personal umbrella are typical. Travel trailer liability lives on the tow vehicle's auto policy, so make sure the auto liability is sized for the towing exposure.
Total loss replacement is a meaningful endorsement on newer RVs. Instead of paying depreciated actual cash value at total loss, it pays for a comparable new RV (or sometimes the original purchase price). RVs depreciate quickly in the first few years, so for new or near-new units the premium for total loss replacement is often well worth it.
Contents and adjacent-structure limits round out the picture. Base contents sublimits are often a few thousand dollars and rarely cover a fully outfitted RV, especially for full-timers or longer trips. Awnings, slide toppers, satellite systems, and similar attached items may have their own sublimits. We size both during the coverage review and tell you where the standard limits would leave a gap.
For weekend and trip use
Recreational
Liability, physical damage, contents, and vacation liability sized for trips and storage between them. The right policy form when the RV is not your primary residence.
For full-time RV living
Full-timer
Adds homeowners-style liability, higher contents limits, and additional personal liability for life at the campsite. The right policy form when the RV is your primary residence rather than a recreational vehicle.
Common scenarios
Situations that change your RV coverage.
Buying your first motorhome or trailer
Lenders typically require coverage before closing. We can quote before you buy so you know the insurance cost and any inspection requirements upfront.
Becoming a full-timer
The switch from recreational to full-timer coverage is the most important RV insurance change anyone makes. We rewrite the policy form so the coverage matches the new use case.
Approaching hurricane season
Florida-stored RVs benefit from a clear storage plan before June 1. We review your specific policy for any storm-related deductibles or storage requirements.
Trailer behind a different tow vehicle
When you change the tow vehicle (or the auto policy), the towing-liability coverage moves with it. Aligning the auto policy with the trailer is part of the coverage review.
Adding solar, satellite, or custom build-outs
Solar arrays, satellite systems, and interior build-outs quickly exceed default sublimits for adjacent structures and contents. We schedule higher-value items so they're actually covered at total loss.
Long trip with family or co-drivers
Some carriers require regular drivers to be listed on the policy. For Class A motorhomes, carriers may ask about driving experience before extending coverage to additional operators.
Premium and discounts
What goes into your RV premium.
What affects your premium
RV premiums depend on a different mix of factors than auto. The biggest movers are the RV itself (class, length, weight, age, value) and the intended use (recreational versus full-time). A 32-foot Class A motorhome rates very differently from a 22-foot travel trailer or a Class B camper van, and a full-timer policy on the same RV rates differently again from a recreational one.
How and where you store the RV matters significantly. A covered, fenced, or indoor-storage location rates better than uncovered storage in a driveway. Annual mileage and where you plan to travel are also part of the rating: a Florida-only weekender rates differently from a coast-to-coast traveler. Operator history follows the same rules as auto: claims and violations in the last three to five years move the rate.
No two RV carriers weight these factors the same way. A specialty RV carrier may rate aggressively on Class A motorhomes and discount towable trailers, while a general carrier may be the opposite. Shopping across multiple appointed carriers is the only way to see what your specific RV, use case, and storage situation actually price out to.
Discounts that may apply
Discounts on an RV policy are generally smaller in dollar terms than on auto or home, but the right combination still produces meaningful savings. The single biggest is usually multi-policy bundling when the same carrier writes your auto or home. Storage type and RV club membership are the next most common.
RV club membership
Good Sam, FMCA, Escapees, and similar club memberships often carry discounts with major RV carriers.
Storage and security
Covered, fenced, gated, or indoor storage, plus anti-theft devices and GPS tracking, can each reduce premium based on carrier rules.
Multi-policy and multi-vehicle
Bundling RV with auto and home when the same carrier writes both, plus multi-vehicle discounts when you insure several RVs together.
Payment and billing
Paid-in-full, autopay, and paperless billing. Each is small individually, but they stack across a renewal cycle.
Available discounts vary widely between carriers and policy forms. A discount that exists with one carrier may not be offered by another, and full-timer policies sometimes have different discount eligibility than recreational policies. We check what you actually qualify for as part of the coverage review and tell you when one carrier's discount lineup makes more sense for your specific RV and use case than another's.
Decisions
When you actually need each coverage.
Recreational coverage, or full-timer?
If the RV is your primary residence and you don't have a fixed home address, full-timer coverage is the right policy form. Recreational coverage is written assuming the RV is used for trips, not as a home, so a serious liability incident at the campsite can leave a full-timer with significant gaps. The premium difference is meaningful, but so is the protection gap when the wrong form is in place.
Is total loss replacement worth the extra premium?
For new or near-new RVs (typically within the first 5 model years, depending on carrier), yes. RVs depreciate quickly in the first few years, and the gap between purchase price and depreciated value at total loss is significant. Total loss replacement pays for a comparable new RV instead of depreciated value. For older RVs past the eligibility window, agreed value or actual cash value is the available choice.
Does my trailer need its own policy?
Travel trailers and 5th wheels need physical damage coverage to protect against theft, fire, weather, and damage at the campsite. The towing liability is on your tow vehicle's auto policy, not the trailer's policy, so it's important to check that the auto liability is sized appropriately for the trailer you tow.
When should I add a personal umbrella?
If your household assets exceed your underlying liability limits across RV, auto, and home, an umbrella policy extends coverage above all three. Full-timers and households with significant net worth are the clearest candidates because the RV is both a vehicle and a residence, which compounds the liability exposure.
Carriers
Carriers we work with for RV coverage.
We write RV, motorhome, and travel trailer coverage through multiple carriers, including specialty RV insurers that focus on recreational vehicles. The right fit depends on the RV class, value, intended use (recreational or full-time), where it's stored, and what other policies you'd like to bundle.
Each carrier has a different sweet spot. Some specialize in Class A motorhomes and full-timers, some are stronger on towables, some focus on multi-vehicle households, and some are best when bundled with auto or home. We compare carriers based on your specific RV and use case and walk you through what's actually different between the options.
Progressive
Foremost
National General
American Modern
Allstate
Carrier appointments vary by line and state. Available carriers depend on the RV class, your specific situation, and underwriting eligibility.
Questions
RV insurance questions we hear a lot.
Does Florida require RV insurance?
Motorhomes (Class A, B, and C) are motor vehicles under Florida law and need the same minimum coverage as autos: $10,000 PIP and $10,000 PDL. Travel trailers and 5th wheels don't need their own liability insurance because the tow vehicle's auto policy covers liability while towing. They do still need physical damage coverage to protect against theft, fire, weather, and damage at the campsite.
What's the difference between motorhome and travel trailer insurance?
A motorhome is a motorized vehicle, so the policy looks more like auto: liability, comprehensive, collision, uninsured motorist, plus RV-specific endorsements for contents, awnings, and vacation liability. A travel trailer (or 5th wheel) is non-motorized, so the trailer's own policy covers physical damage and contents, while the tow vehicle's auto policy handles liability while it's being towed. The two structures need very different policy forms.
Do I need full-timer's coverage if I live in my RV?
If the RV is your primary residence rather than a recreational vehicle, yes. Standard recreational RV policies are written assuming the RV is used for trips, not as a home. Full-timer's coverage adds a homeowners-style liability and personal liability layer that applies while the RV is parked and used as a residence, plus additional contents protection. Living in your RV without full-timer's coverage can leave gaps that a recreational policy was never designed to handle.
Are my belongings inside the RV covered?
Most RV policies include a base contents sublimit for personal belongings inside the RV, often a few thousand dollars by default. Higher-value items, electronics, or full-timer setups usually need a higher contents limit or scheduled coverage. For full-timers, this is one of the most important limits to size correctly.
What is vacation liability coverage?
Vacation liability is an endorsement that provides liability coverage while the RV is parked and being used as a temporary residence, typically at a campground or RV park. Without it, your standard motorhome liability may not apply while the RV is stationary and you have guests over for dinner. It's a small premium for a real exposure that recreational RVers often miss.
Are awnings, satellite dishes, and other adjacent structures covered?
Standard RV policies typically include coverage for permanently attached items like awnings, antennas, satellite dishes, and side cameras, often up to a sublimit. Wind damage to extended awnings during a storm is a common claim, and some carriers have specific exclusions or sublimits for awnings, so it's worth confirming the language before a storm rolls in.
Does my RV policy cover me at a campground?
Physical damage coverage extends to the RV while parked at a campground. Liability coverage depends on whether the standard policy or a vacation liability endorsement is in place. Theft from a campsite is typically a covered loss under comprehensive, and damage to neighboring property from your awning, slide-out, or jacks is usually covered under liability or vacation liability.
What's total loss replacement coverage and when is it worth it?
Total loss replacement pays for a comparable new RV (or sometimes the original purchase price) if your RV is a total loss, instead of paying depreciated actual cash value. It's typically available only for newer RVs, often within the first 5 model years. For new or near-new RVs, it's often worth the premium because RVs depreciate quickly in the first few years.
Am I covered if I rent out my RV on Outdoorsy or RVshare?
No. Standard personal RV policies exclude commercial use, which includes renting through peer-to-peer platforms like Outdoorsy or RVshare. These platforms typically provide their own insurance during rental periods, but coverage gaps between rentals or for damage outside the platform's policy are common. If you intend to rent, we need to structure coverage with that in mind.
Does coverage extend to Mexico or Canada?
Most US RV policies extend into Canada with the same coverage. Mexico is generally not covered. Crossing into Mexico without a Mexico-specific RV policy can leave you without any coverage south of the border. If you're planning a long trip into Mexico, we can arrange the right Mexico coverage before you go.
What happens if I let a friend or family member drive my motorhome?
Most motorhome policies extend coverage to permissive drivers, meaning people you give permission to drive. Some carriers require that regular drivers be listed on the policy and may underwrite based on driving record. For larger Class A motorhomes, carriers sometimes require driver experience documentation before extending coverage to someone other than the named insured.
Do I need a special license for a large motorhome in Florida or Georgia?
Florida and Georgia both exempt recreational vehicles from commercial driver's license (CDL) requirements regardless of size. A standard Class E (Florida) or Class C (Georgia) driver's license is sufficient for any privately operated motorhome. Some other states do require a special license for motorhomes over 26,000 pounds, so check before driving across state lines on a long trip.
Can I bundle RV insurance with auto and home?
Yes, when the same carrier writes both lines. Multi-policy discounts vary by carrier and state. Sometimes the best RV carrier is a specialty recreational vehicle insurer that doesn't also write auto or home, in which case splitting policies still makes the most sense. We compare both before recommending.
How fast can I get an RV insurance quote?
Most RV quotes can be started the same day. Carriers ask for the VIN, year, make, model, length, RV class (A, B, C, or towable type), value, intended use (recreational or full-time), where it's stored, and driver information. Newer or higher-value units may require additional documentation.
Related
Coverage that pairs with RV.
Ready to compare your RV coverage?
Send us your current declarations page, give us a call, or request a free quote. We'll review what you have and walk you through the options.