Home » RV Insurance in Delray Beach, FL & Port St. Lucie, FL

RV Insurance in Delray Beach, FL & Port St. Lucie, FL

Owning a recreational vehicle (RV) offers a unique way to explore the country while having all the comforts of home. However, with this freedom comes the responsibility of ensuring your RV is financially protected. While an RV insurance policy can’t prevent accidents, theft or other unforeseen incidents, it may help ease the financial burden when they occur.

Is an RV Covered Under Auto Insurance?

While your RV has wheels and travels on the road, standard auto insurance does not cover most RVs. There may be limited protection for some towable trailers, but this depends on the auto policy and trailer itself. To ensure complete protection, you’ll need specialized RV coverage. Consult with Palm Tree Insurance Agency to discuss your options.

What Does RV Insurance Cover?

Standard RV policies may include the following:

Liability insurance may cover third-party injury and property damage costs if you cause an accident.
Collision coverage may help pay for repairs to your RV if you crash or hit an object.
Comprehensive coverage may help cover noncollision incidents, such as theft, vandalism and falling objects.
Uninsured/underinsured motorist coverage may help with injury treatment and RV repairs if you’re hit by a driver without sufficient insurance.
Medical payments (MedPay) coverage may pay for injury treatment for you and your passengers, regardless of fault.

How Much Does it Cost?

The cost of RV coverage varies widely based on factors like the type and size of your RV, how often you use it, where you store it and the level of coverage you select. Due to their size and value, coverage tends to be more expensive for motorhomes, while smaller towable trailers generally fall on the lower end of the cost spectrum. Factors such as your driving record and the age of your RV also play a role in determining the final premium.

Learn More

Palm Tree Insurance Agency has been proudly serving the Delray Beach, Port Saint Lucie, Miami, Fort Myers, and Jacksonville, Florida communities since 2018. Contact us today to get started.