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FLORIDA RV & CAMPER · MOTORHOMES & TOWABLES · THE PARKED-TRAILER GAP

RV and Camper Insurance in Florida

You bought the rig. You put it on a policy somewhere. And now it lives in the back of your mind as handled.

That is a reasonable place to land. The policy exists. But you probably cannot say, from memory:

Your RV policyfrom memory, right now
Is the trailer actually named on the policy?
What does it pay while the unit is parked at a campsite?
Which valuation basis applies if it were totaled tomorrow?
WORTH
TEN MINUTES
Three checkable things. All three are on your own paperwork.

That gap is worth ten minutes.

Call (561) 586-4955

Get an RV or camper quote · Se habla español · Serving all of Florida from Lake Worth Beach

Two coverage worlds: motorized vs. towable

The first thing to know is that RV coverage is not one product. It is two, and which one applies depends entirely on whether your unit drives itself.

A motorhome drives itself
It is a motor vehicle under Florida law, and it is insured like one. To register it, you need what any Florida car requires:
$10,000 Personal Injury Protection$10,000 Property Damage Liability
Bodily injury liability is not compulsory before an accident under Florida's financial responsibility law, just as with a car. Uninsured and underinsured motorist coverage must be offered and can only be rejected in writing.
F.S. 627.736 · F.S. 324.022 · F.S. 320.02(5)(a) · F.S. 627.727
A towable does not
A travel trailer, fifth-wheel, camping trailer or truck camper is not self-propelled, and Florida carries no separate insurance mandate for one.
No separate Florida mandate
That distinction matters immediately, because almost every misunderstanding on this line comes from an owner applying one world's rules to the other world's unit.
No special license, either. Florida exempts recreational vehicles from the CDL requirement regardless of size, as long as the use is personal and recreational (F.S. 322.53(2)(d)). An ordinary license gets you behind the wheel of anything you would camp in.

When the trailer is parked: the gap that costs people money

Here is the question that comes up in every RV forum, in almost exactly these words:

"Can any of you experts explain how you are insuring your RVs? Adding to auto or property. How does it work when you're towing vs when you're stationary? What happens if you catch on fire at the RV park vs when you're driving down the road?… Do we need different insurance policies for when we are on the road vs when we are parked and unhooked?"
(r/RVLiving, [US], 2026)
Hitched and being towed
Liability rides along
A towable's liability generally rides on the tow vehicle's policy while it is hitched and being towed. Physical damage to the trailer itself is a separate question even here.
→
Parked and unhooked
The connection lets go
A trailer sitting unattached at a campsite for a week is generally considered no longer in use in connection with the tow vehicle, and that is how coverage is applied in practice.
→
What closes the gap
Vacation liability
Premises-style liability for the trailer while it is parked or in storage. Worth knowing by name, because it is what to ask for. It does not cover the trailer's own physical damage; comprehensive and collision handle that, hitched or not.
Either way: the trailer has to be NAMED on the policy for the policy to respond to it at all. An unnamed unit is a separate problem, and a worse one. It is a checkable thing you can look up today.
"Doesn't it depend on state when it comes to liability coverage? In FL when you're hauling a trailer, you don't need insurance for the trailer, damage caused by the trailer would be covered under the tow vehicles liability coverage AFAIK. Trailer insurance is just for comp/collision for the trailer itself, as it's not (typically) covered by the tow vehicles comp/collision."
(r/RVLiving, FL, 2026)
"Your auto policy will only cover the RV while it is attached to the tow vehicle… My wife and I got burned for $11,000 because the insurer claimed the RV was not identified in the policy. I cannot over emphasize how important it is that your auto policy has the RV correctly included in the policy. You must also have a separate policy for when the RV is no longer being towed, such as at a campsite or in storage."
(r/RVLiving, [US], 2026)

Send us the auto policy and the RV paperwork and we will tell you exactly what is covered while it is parked, and what is not. That is the job.

Call (561) 586-4955

What a car policy was not built for

An RV is a vehicle that is also, at times, a residence, a storage unit, and a place people sit outside of. The standard auto policy was not designed for any of that. A few coverages exist specifically for this line.

Personal effects
Belongings inside and around the unit. Often thin or missing on a bare auto-type policy.
Custom equipment
Awnings, satellite dishes, generators, and other aftermarket additions are commonly covered only up to a modest built-in sub-limit unless they are specifically scheduled.
Roadside assistance and the towed car
The car towed behind a motorhome (sometimes called a dinghy) is a distinct and commonly missed exposure. Standard roadside plans often do not extend to the combination.
Storage and seasonal lay-up
Many carriers reduce coverage, and premium, during an off-season. Liability can still matter while a unit is in storage, though, if it sits somewhere other people can reach it.

Each of these is a question worth a few minutes on the phone. If a carrier you are already with offers it, great. If not, that is a reason to look at what else is available.

Total-loss valuation: three numbers, three different outcomes

If your RV is totaled, what does the policy pay? The answer depends on which of three valuation bases you have, and they pay very differently.

Depreciates
Actual Cash Value
Pays the depreciated value of the unit at the time of loss. An RV depreciates. What you paid five years ago and what ACV pays today may not be close.
Locked in
Agreed Value
A figure set when the policy is written, and paid in full if the unit is declared a total loss. No depreciation argument.
Replaces the unit
Total Loss Replacement
Provides a new comparable unit, generally limited to a range of model years.
Which of the three you have is printed on your own declarations page.
"can you tell me where you looked for comparable campers with damage? My insurance company also used a 3rd party company and their estimate is 1/2 the value it is now and are trying to offer me $2K for a $13K camper. I'm devastated and lost as to what to do now."
(r/GoRVing, [US], 2024)

The emotional weight in that quote is the argument for knowing which valuation basis you have before anything happens. Pull out your declarations page. If it does not say, call us. That is a five-minute answer.

What coverage generally does not pay for

Gradual water damage
Slow leaks from aging roof seals, seams, and fittings, and damage attributed to deferred maintenance, are generally not covered. Sudden storm-related water damage generally is. The line that decides it is whether there was an identifiable event.
Mechanical breakdown
An engine, transmission, or appliance failing is not an insurance matter. That is what a warranty or service contract is for.
Renting the unit out
A standard personal RV policy often does not cover the unit while it is rented to someone else through a peer-to-peer platform. If you rent yours out and have not told your insurer, call before a loss makes it a problem.
Wear, tear, depreciation
Roofs, appliances, and tires reaching the end of their lives are not insurable losses.
"It was then discovered a leaking connection to the washer/dryer installed by the dealer and never used caused $128k in damage… The replacement cost all risk insurance was declined due to the "leakage exclusion" and the insurer saying it has been leaking an extended time."
(r/RVLiving, [US], 2025)
That is what slow-leak denial looks like. It is not every claim, and it is not every policy. The question of whether coverage responds to a specific loss is the carrier's determination. What a licensed agent can tell you now, before anything happens, is where your policy draws that line and whether sudden storm damage is covered as a comprehensive matter.

Snowbirds and full-timers: where the rules change

Snowbirds
"I am wanting to purchase and park a Travel trailer in Florida year round and I would go down for a few months in the winter. I got to thinking if insuring it in home state would be an issue. Does anyone know if insurance has issues with that?"
(r/RVLiving, FL, 2026)
Where a unit is kept for most of the year, where it is registered, and which state's policy should cover it are questions an agent works through with an owner, and the answer turns on the specifics. If the RV lives in Florida and you do not, call us. That situation has a right answer and it is worth getting it right before a claim.
Full-timers
An RV that is your primary residence changes the eligibility picture entirely. A homeowners policy does not follow you into an RV, and standard auto coverage was not built for a unit someone lives in. Full-timer coverage exists as a homeowners-substitute liability for owners whose RV is their primary residence. But eligibility is not universal:
"it all depends what they consider fulltime. a few insurance companies in FL wouldn't insure me if I wasn't at an RV park, I'm on my own property."
(r/RVLiving, FL, 2019)
If you live in your unit, the conversation about coverage has a different starting point. Call and tell us that up front.
Call (561) 586-4955

Florida and the RV: storms, campgrounds, and context

400+
RV parks and campgrounds in Florida
Florida RV Park and Campground Association
~52
state parks offering RV camping statewide
Florida Department of Environmental Protection

That is not a small recreational population, and it is not one that lives in uniform conditions. On storms: wind and storm damage to an RV are generally handled as a comprehensive coverage matter. One Florida owner’s guidance on hurricanes is practical and worth hearing:

"The only real advice is to leave way earlier than you think you need to. RVs are basically aluminum boxes in a hurricane and you cannot ride it out inside one… once winds hit 40 mph, the bridges in the Panhandle usually close and towing becomes dangerous… take a video of everything for insurance, hook up the truck, and get out while the roads are still clear."
(r/RVLiving, FL, 2026)

The documentation note there (take a video of everything) is genuinely useful. That is what a sudden storm claim looks like from the policyholder side.

Florida’s separate hurricane deductible rule applies only to residential property insurance (F.S. 627.701). It does not reach a vehicle. Nothing about a percentage hurricane deductible belongs on an RV policy.

Two Florida laws that are not insurance rules

These are genuine, current Florida laws that answer questions people search for. Neither one is a coverage requirement. They belong here because they come up, and because a clear answer is better than leaving a reader to guess.

Not an insurance rule
HOA and RV storage
Florida law bars a homeowners association from restricting an owner or tenant from storing a recreational vehicle on their own parcel, as long as it is not visible from the parcel's frontage, from an adjacent parcel, from an adjacent common area, or from a community golf course.
F.S. 720.3045, created 2023 and amended 2024
Not an insurance rule
RV park assessments
A 2026 law restricts how local governments levy special assessments on RV parks. This applies to parks, not to individual unit owners.
Chapter 2026-37, Laws of Florida, effective April 21, 2026

If you have an actual dispute with an HOA over storage, that is a legal question for an attorney who handles HOA matters. The insurance side of owning the RV is ours.

Why A&J, and why one phone call

A&J is an independent agency. That means Roberto shops multiple A-rated national and regional carriers, not one. It also means he re-shops policies every six to twelve months as standard practice, not just when you call to complain. He reads the actual policy forms. Not a marketing sheet, not a summary. The form.

He writes the RV alongside the auto and the home. When the same agent writes both, there is no gap to fall into.

That last part matters more on this line than on almost any other. The parked-trailer gap opens precisely because it falls between two policies bought from two different places.

"There are definitely different rules, rates, and coverage options/requirements for different states… I would guess that Florida would have very different rates and coverage options than other states so probably talking to your agent would be a good idea and then find a local agent who knows about Florida"
(r/RVLiving, FL, 2026)

Roberto answers his own phone during business hours. No phone tree. No call center. English and Spanish. A policy can commonly be bound the same day. Where proof of coverage is needed, Roberto requests it from the carrier directly as a licensed appointed agent, and gets it to whoever is asking.

And if the coverage you have already fits, he will say so. If it does not, he will say that too.

Call (561) 586-4955

What our clients say

Frequently asked questions · RV Insurance in Florida

It depends on what you need covered and when. Your auto policy’s liability generally follows a trailer while it is hitched and being towed. Once the trailer is parked and unhooked, that connection is generally not where coverage lands. And physical damage to the trailer itself needs its own comprehensive and collision coverage, whether it is hitched or not. The starting point is whether the trailer is even named on your current policy.
A trailer sitting unattached at a campsite is generally considered no longer in use in connection with the tow vehicle, and that is how coverage is applied in practice. The coverage built for exactly that situation is called vacation liability: premises-style liability while the unit is parked or in storage. If you do not have it, that exposure is uncovered.
Vacation liability is premises-style liability coverage for your RV or trailer while it is parked, whether at a campsite, in storage, or on your property. It is the direct answer to the gap between towing and parking. Whether you need it depends on how and where you use the unit. Call and describe your situation; that is a short conversation.
Florida carries no separate insurance mandate for a towable trailer. The tow vehicle’s own requirements apply to the tow vehicle. That does not mean the trailer is covered, though. It means there is no state minimum forcing you to cover it. The liability and physical damage questions still exist; they are just yours to decide rather than the state’s to require.
No. Florida exempts recreational vehicles from the commercial driver’s license requirement regardless of size, as long as the use is personal and recreational. (F.S. 322.53(2)(d).) An ordinary Florida driver’s license is all you need.
A trailer with a net or empty weight under 2,000 pounds does not require a Florida title. (F.S. 319.20.) That applies to many pop-up campers and small camping trailers. It does not change the insurance question, but it is worth knowing before you go looking for paperwork that may not exist.
Three approaches, three different payouts. Actual cash value pays the depreciated value of the unit at the time of loss. Agreed value pays a figure set when the policy is written, in full. Total loss replacement provides a new comparable unit, generally within a range of model years. Which one is on your policy is on your declarations page. If you cannot find it, call us.
Gradual water damage from aging seals, seams, or fittings is generally not covered. Sudden storm-related water damage generally is. The line that decides it is whether there was an identifiable event rather than slow deterioration. What a licensed agent can tell you now is where your policy draws that line and what your comprehensive coverage actually reaches.
Where the unit is kept for most of the year, where it is registered, and which state’s policy applies are questions an agent works through with an owner. There is a right answer, and it depends on your specific arrangement. Call us. That situation is common and it is worth getting it straight before a claim, not after.
Yes. Send us the auto policy and the RV paperwork and we will tell you exactly what is covered while it is parked, and what is not. That is the job. A licensed agent reads the actual policy form, not a summary. If there are gaps, you will know. If coverage is solid, you will know that too. (561) 586-4955.
Yes. A&J is a bilingual agency. We serve clients in English and Spanish.

Ten minutes, with the paperwork in hand

Is the trailer named? What pays while it is parked? Which valuation basis applies? Three checkable things, one phone call. If the coverage you have already fits, Roberto will say so.

Call Roberto: (561) 586-4955

Mon–Fri 9am–6pm · Sat 10am–4pm EST · English & Spanish · No phone tree

A & J Insurance Services · Florida RV & Camper Coverage

A & J Insurance Services, Inc.
807 Lucerne Ave. East Unit
Lake Worth Beach, FL 33460
(561) 586-4955
aj@ajinsuranceservices.com
Mon–Fri 9am–6pm · Sat 10am–4pm EST

Roberto Ramos Jr. · Licensed 2-20 Property & Casualty Agent · FL License #P111106 · NPN 9567168
A & J Insurance Services, Inc. · FL License #L051810 · NPN 9894692

Related coverage: Auto Insurance in Florida · Homeowners Insurance in Florida

📞 Call (561) 586-4955 · Se habla español