Why Do I Need RV Insurance?


Getting insurance for your motor home can get tricky, with numerous Oviedo, FL residents torn between getting home or car coverage. Unfortunately, none of the mentioned policies will cover your RV, with the ideal solution being RV insurance. This coverage will be essential in helping you get the proper protection safeguards, keeping you safe from legal problems. Below, The Wurzel Agency discusses why motor homeowners need RV insurance.

It Is a State-Requirement

Just like numerous types of insurance, RV insurance is mandatory, with owners expected to carry the state’s minimum liability requirements. This means getting coverage for 3rd party bodily harm and property damage liability. If you get into an accident, RV insurance ensures you get the proper compensation to offset other parties’ costs of medical expenses and property damage that you are liable for.

Helps You Cover Your Property Damage Costs

While RV insurance is a state-issued requirement, some RV owners will still opt out of purchasing their coverage, leaving you with out-of-pocket expenses when your motor home is damaged. RV insurance will help you pay for your RV repairs or replacement costs if you are involved in such a scenario. It will also be beneficial when your RV is damaged by disasters such as fire and hail, helping you fix your motor home.

Pays For Your Injuries

If you are involved in an accident, you are likely to get bodily injuries requiring medical attention. RV insurance kicks in to pay for your medical fees. These can be consulting expenses or X-ray check-up fees. Your passengers are also covered by RV insurance, allowing you to limit any additional costs.

Covers Emergency Roadside Services

No matter how prepared you are, emergencies such as breakdowns are likely to happen, leaving you stranded on the road. Fortunately, RV insurance can help with this, helping you cover your roadside assistance costs.

If you have recently purchased your motor home and are looking for RV insurance with the above benefits, consider reaching out to The Wurzel Agency today. We provide coverage to residents within Oviedo, FL to keep you protected during your travels.

3 Benefits of Supplementing the RV Insurance When You Rent a Motorhome

Normally when you rent an RV you have the option to purchase additional insurance over and above what is already included in your rental package. Choosing to purchase additional insurance is actually a good idea for several reasons. Whether you choose to purchase it from the rental company or from your own insurance company, it’s worth looking into. The agents of  The Wurzel Agency serve residents living in the Oviedo, FL area and have answers to many of your questions. 

Added Layer of Protection

Buying additional RV insurance when you rent a motorhome for your vacation will provide you with an added layer of protection if you are involved in an accident or someone is injured while visiting you. The insurance you purchase from the rental company normally only covers the motorhome and any damage it may receive while it’s in your possession. Extra insurance will add liability coverage as well.

Covers Your Personal Belongings

Buying additional insurance will also provide coverage for your personal belongings. This is especially beneficial if you have expensive cameras or other equipment you bring with you while you are on vacation. While it’s important to always keep your RV locked, accidents do happen and sometimes items are stolen. Having additional protection will make sure you are adequately covered.

Relax and Enjoy Your Trip!

Knowing you have sufficient insurance coverage will allow you to relax and enjoy your trip. The last thing you need is to worry about whether or not you have sufficient insurance coverage.

The agents at The Wurzel Agency serve residents who live in or near the Oviedo, FL area. When you have questions about RV insurance, call and schedule an appointment. They have the answers you are looking for and will make sure you are adequately covered!

Do I Need RV Insurance in Florida

Florida is a great place to own an RV. The state has 175 state parks, and 59 offer camping. IT can be the perfect place to get away with your RV. Additionally, there are 3 National Parks, and all of them have camping. Whether or not you need RV insurance in Florida depends on the type of RV you have and whether or not you have a loan on your RV. At the Wurzel Agency in Oviedo, FL, we understand RV insurance and the people who own RVs, and we have the information you need to protect your recreational vehicle.

If you own or rent a Class A or Class B RV, you need to carry the same type of mandated insurance as any other motor vehicle in the state of Florida. Florida law requires 10/20/10 liability coverage. $10,000 for bodily injury person but to a total of $20,000 and $10,000 personal coverage. If you have a loan on your RV, your lender will require liability as well as collision and comprehensive coverage. But no matter what type of RV you have, even if it isn’t required to have insurance, getting insurance for it may be the right thing to do. Collision and comprehensive coverage can help to pay to repair your RV if it is damaged. Collision covers damage from accidents involving other vehicles and comprehensive covers damage from other than collision events. 

You likely spend quite a lot of money on your RV, so protecting it with insurance only makes sense. If you have purchased an RV and are looking for insurance or you are ready to look for a new agent, The Wurzel Agency in Oviedo, FL would love to sit down with you to discuss your RV insurance needs. Give the office a call or stop by and let us give you a no-obligation quote.