RV insurance has many similarities to auto insurance and others to home insurance. However, one thing is clear; not all RV insurance policies are alike, including how they handle storm damage. That means RV owners need to think about the coverage they need and consult with a helpful insurance agent. If you are in the Miami, FL area, the B & G Insurance team will answer all your questions and ensure you have the RV coverage that best meets your needs.
RV Insurance and Storm Damage
Florida requires motorized RVs to carry the same minimum insurance as automobiles. Those requirements include the following minimum coverage:
- $10,000 bodily injury liability per person
- $20,000 bodily injury liability per accident
- $10,000 property liability per accident
Of course, liability insurance does not cover the cost of repairing your RV if it is involved in an accident. That coverage comes from collision insurance and only covers damage resulting from collisions. To cover storm damage, RV owners need a comprehensive policy. Those typically cover damage from the following:
- Plumbing issues and burst pipes
- Falling branches and trees
- Hail and wind
Some comprehensive policies cover flood damage, while others do not, requiring you to buy a separate flood policy.
Because RVs have similarities to automobiles and homes, properly insuring your RV can appear complex. However, the process is simplified by consulting with a knowledgeable agent who will discuss your needs and options to ensure you acquire the policy that meets your needs.
Working With B & G Insurance
The friendly team at B & G Insurance, serving Miami, FL, will help you address your RV or other insurance needs. So, give us a call or stop in today to ensure you and your RV have the right coverage.