Does RV insurance cover storm damage?

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:

  • Vandalism
  • 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.

Full-timers RV Insurance: When You Live In Your RV

If you decide to live in your RV full-time when you retire instead of using it for periodic short trips, you’ll need to contact B & G Insurance serving the greater Miami, FL area to update your RV insurance to a full-timers policy.

What is a full-timers policy?

When you live in your RV all of the time, you need to insure your RV with full coverage. That means your policy would consist of collision, comprehensive, property damage liability, bodily injury liability, and roadside assistance. It covers all of the damage that could occur to your RV plus the damage you could cause to another individual’s vehicle. You may also want to add personal injury protection (PIP) to it, so if you or your passengers get injured in a no-fault accident, you’ll still have medical coverage.

Other Reasons to Undergo an Insurance Review

When you decide to use your RV full time, you might upgrade a few things, like your microwave, convection oven, and refrigerator/freezer. Another upgrade many people make, installing solar panels, also requires upgraded insurance. When you renovate your RV, you make it worth more money. That means you need to increase your coverage, too. Without the update, your insurance will only cover your RV as it was when you purchased it.

Give Us A Call Today

Contact B & G Insurance serving the greater Miami, FL area for more information about updating your RV insurance to a full-timers policy. We can help you with a policy review based on your RV updates and usage schedule. Let us help you hit the road fully insured.

Must Have Road Trip Essentials for RV Travel

Being able to head out on the open road for an adventure is the freedom many RV owners in Miami, FL can enjoy. The best thing about an RV is you can bring your home away from home with you everywhere you travel. Making your RV feel like home means packing it up with all the essentials helps ensure a safe, comfortable, and enjoyable road trip experience. Here are some road trip essentials everyone should pack for their upcoming RV trip. 

Before heading out on the road, give us a call at B & G Insurance to discuss RV insurance coverage to ensure you are fully covered while out on the open road. 


Food is one of the most important things you do not want to leave behind when you vacation from Miami, FL. Since you will have a kitchen traveling with you, you can save money by shopping ahead of time for items such as meats, vegetables, fruits, and snacks. Also, don’t forget to pack a lot of water, especially when traveling in the hot summer months. 


Having a way to communicate with others is essential to your safety. Bring walkie-talkies if you are in an area with no cell phone coverage. Pack extra batteries, chargers, and adapters for your phones, cameras, laptops, and tablets. 

Fire Extinguisher

Accidents happen, and there could be a fire in your RV or near your campsite. Having a fire extinguisher helps control the fire before someone gets injured. 

Portable Generator

Having a generator ensures you have backup power for the RV. In addition, having a portable generator allows you to use the lights in the RV and charge any devices. 

Now that you know what you need before going out on the road give us a call to help you with your RV insurance needs. The B & G Insurance experts can help you get the coverage you need to stay protected while traveling. 

Is RV Insurance always needed in Miami?

If you are in Miami, FL, having a convenient way to get around Florida and the rest of the country is a great idea. If you have the dream of traveling the country, buying an RV could be a great option as you will have a vehicle and a place to sleep at night. If you are going to get an RV in this area, you should consider your insurance needs. There are several reasons why RV insurance will be needed in this area. 

Liability Insurance Requirements

Similar to when you are going to operate any other type of vehicle in this area, you will need to have an RV insurance policy as it will give you valuable liability insurance that is required by state law. Those that have any type of vehicle in Florida and do not have liability insurance while driving on a public road could face penalization. 

Required by Lender

Another reason why someone may need to get an RV insurance policy in this area is that their lender will require it. Anyone that takes out a loan to purchase an RV will have insurance requirements. Most of the time, you will need to provide evidence of insurance when the loan is closed. If you do not have this insurance coverage in place, you could be found in default of your RV loan.

There are a lot of situations when having RV insurance in the Miami, FL area will be a requirement. As you are shopping for a new RV insurance policy in the area, you should reach out to the team at B & G Insurance. The insurance team at B & G Insurance can help you to build and choose an RV insurance policy that will provide you with the right coverage. 

Tips About How to Avoid Common RV Problems

The good folks at B & G Insurance serving the Miami, FL Metro know that RV insurance is best if you never have to use it. RV owners typically have accidents that involve hitting low overhangs, fires, tire failures, and forgetting to retract items connected to the RV.

Here are some tips about what can be done to reduce these common risks that most RV owners face.

Hitting Low Overhangs

This is a common RV accident, especially for those new to RV driving. RVs sit high up and therefore may not be able to go under as many things as another type of vehicle. It is important for RV owners to know their clearance height and not cut things too close.

A tricky problem is hitting the overhang at a gas station when the height is not marked on it. It takes a bit of practice to be able to visually see what may be too low to drive under. If it can be done safely, stop before going under something that seems too low. Have a co-pilot get outside to visually check if the RV will be able to go under the overhang.


Fires are bad in the contained space of an RV. A grease fire while cooking can easily get out of control. Fires may start from shorts in the electrical wiring, leaks of propane from the tanks, appliance failures, and problems arising in the engine while driving.

The way to reduce these risks is to always conduct a thorough safety check before going on a trip. Use a propane-sensing alarm to warn about gas leaks. Always have a fully recharged fire extinguisher nearby.

Tire Failures

RV tires are different from those used for automobiles. They are designed to be inflated to carry a certain weight load. One of the most common causes of tire failures is when they are under-inflated.

The way to avoid this risk is to know how much weight the tires are carrying. Take your fully-loaded RV, with all the passengers in it, to a truck weighing station. This will give you the total carrying weight for your RV. Then, follow the tire manufacturer’s guidelines for inflation pressure.

Frequently check tire pressure while on the road. Besides losing air, tire pressure may go up or down depending on the changes in the outside temperature.

Forgetting to Retract Items

It is very easy to forget to put the steps up, pull in an awning, or lower an antenna. People may drive off with the utilities still attached or a gasoline hose still connected. The only way to make sure to avoid these errors is to have a checklist that the RV driver runs through and the co-pilot double checks for a safe condition before driving off.

RV Insurance Review

If you need a quote for RV insurance contact your agent at B & G Insurance in Miami, FL or using the convenient online form. Each year, or more frequently if substantial things change, like where an RV is parked, it is important to get an insurance review to make sure your RV insurance coverage is adequate