An RV (recreational vehicle) could be one of the largest investments you will ever make. For many people, it is their dream to spend retirement traveling in a new motor home and exploring all the popular destinations across Florida and across our great country. But when it comes to buying Florida RV insurance, Tampa residents often make the mistake of treating it like a typical personal auto policy.
Most people don’t realize that an RV policy from your auto carrier often has limited insurance coverage and does not provide the full protection you need. For example, your personal property that is inside the vehicle may not be covered in most auto policies. You also may not be covered for accessories like satellite dishes and TV antennas.
To ensure that you are fully protected, it makes sense to carry RV insurance. Tampa area residents who have an RV policy will enjoy greater peace of mind traveling the state and country in their new motor home.
RV insurance should go beyond the limits of a typical auto or trailer policy and offer the following protections:
- Collision: Damage from colliding with another vehicle or object.
- Comprehensive: Weather-related damage like hail, flood, landslides or windstorms, as well as fire, vandalism and theft.
- Emergency Expenses: If your motor home is damaged or destroyed more than 50 miles from your home by a covered loss, your travel and/or lodging expenses will be paid.
- Attached Accessories: Items like satellite dishes, TV antennas or awnings.
- Towing/Roadside Assistance: Flat tires, engine problems, running out of gas, locked out of the vehicle, whatever assistance needed while traveling.
- Full Time Liability: Unlike an auto policy, extends liability protection to when your motor home is parked at a campsite, RV park or other vacation spot and you are using it like a residence.
- Replacement Cost Coverage: In the case of a total loss, allows you to replace the motor home with one of similar value within the first 5 years of the policy, rather than covering actual cash value at the time of the loss, like with most auto policies.
At Cornerstone Insurance, we are an independent Tampa insurance company representing several of the top carriers in the country. The top rated motor home and travel trailer insurance companies we work with extend protection far beyond what you get from your auto insurance company. For RV insurance, Tampa residents can receive a customized policy that is tailored to their individual needs. When you work with us, you will receive the best possible coverage at the best possible rates from one of our A rated carriers. You will also receive outstanding customer service, assistance with claim reporting and all other help you may need.