Smith & Thomas Insurance

RV Insurance

Whether you’re a weekend traveler, a seasonal snowbird, or living full-time on the road, RV insurance is designed to help protect your vehicle, your belongings, and your liability while you travel.

RV Insurance in Florida

RV insurance in Florida isn’t one-size-fits-all. The type of RV you drive (or tow), how often you use it, and where you store it all affect what coverage you actually need.

We help Florida RV owners understand their coverage options and find policies through top-rated carriers, including Progressive.

What Is RV Insurance?

RV insurance helps protect motorhomes and travel trailers from things like accidents, theft, weather damage, and liability claims.

It combines elements of:

  • auto insurance (for driving risk)
  • homeowners-style coverage (for personal belongings and living space)

But the exact protection you need depends heavily on the type of RV you own.

Types of RVs We Help Insure

Class A Motorhomes

The largest motorhome, typically 21-40 feet in length

Class B Motorhomes

The smallest type of motorhome, generally called “camper vans”

Class C Motorhomes

Mid-size RVs 20-33 feet long. Also called “mini-motorhomes”

Conventional Trailers

Travel trailers for camping and vacationing, ranging from 12-40 feet long.

Pop-up Campers

Smaller camping trailers with collapsible walls. Generally easy to tow.

Truck Bed Campers

RV living space that fits in the bed of a pickup truck.

Fifth-Wheel Trailers

A trailer with a raised front section over the truck bed.

Cargo & Horse Trailers

Large, enclosed trailers for horses, vehicles, and other cargo.

Utility Trailers

Small trailers designed to carry ATVs, boats, and equipment.

What RV Insurance Typically Covers

Coverage can vary by policy, but RV insurance may help protect you from:

Liability Coverage

Helps cover injuries or property damage you may cause to others while operating your RV.

Collision Coverage

Helps pay for damage to your RV after an accident.

Comprehensive Coverage

Helps protect against non-collision events like theft, fire, vandalism, or storm damage.

Personal Belongings

May help cover items inside your RV such as clothing, electronics, and camping equipment.

Vacation Liability

Provides liability protection when your RV is parked and being used as a temporary residence.

Roadside Assistance

Help if your RV breaks down, including towing or emergency repairs.

RV Insurance in Florida: What Makes It Different?

Florida RV owners face unique risks compared to many other states.

Hurricane and Storm Exposure

RVs can be vulnerable to wind, storm surge, and debris damage — especially when parked or stored.

Storage Considerations

Many RVs sit for long periods in storage lots or driveways, which can affect coverage needs.

Seasonal Travel Patterns

Florida has a large number of seasonal RV users (“snowbirds”), which can impact how policies are structured.

Theft and Parking Risk

Depending on where your RV is stored, theft or vandalism coverage can become especially important.

Full-Time vs Occasional RV Use

How you use your RV matters just as much as what you own.

Occasional Use

For weekend trips, vacations, or seasonal travel.

Seasonal Use

For extended travel periods (common among Florida snowbirds).

Full-Time RV Living

If your RV is your primary residence, you may need additional liability and personal property protection.

What Affects the Cost of RV Insurance?

Several factors influence pricing, including:

  • Type and size of RV
  • Age and condition of the vehicle
  • Driving history
  • Where the RV is stored
  • How often it’s used
  • Coverage limits and deductibles

Do I Need RV Insurance?

In most cases, yes — especially if:

  • your RV is financed or leased
  • you use it on public roads
  • you store valuable belongings inside
  • you travel frequently or seasonally
  • you want liability protection beyond basic auto coverage

Get a Free RV Insurance Quote Today!

Protect your RV with coverage you can count on. Contact Smith & Thomas Insurance today for a free, no-obligation home insurance quote.

Call us at 863-688-1141, request your quote online, or visit our office in Lakeland, Florida.