Independent Florida Insurance Agency

Florida RV Insurance: Coverage, Costs, Requirements and Quotes

Florida RV insurance can help protect motorhomes, travel trailers, fifth wheels, camper vans, pop-up campers, and toy haulers against covered accidents, theft, fire, hurricane and flood damage, liability claims, and other losses. Sun Insurance Services helps Florida RV owners compare RV insurance coverage and quotes from multiple available insurance companies.

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Coverage options for motorized and towable RVs
Recreational-use and full-time RV options
Independent agents serving RV owners throughout Florida
Policy reviews for new purchases, renewals, and changing use

What Is Florida RV Insurance?

Florida RV insurance is specialized coverage for motorhomes, travel trailers, fifth wheels, camper vans, and other recreational vehicles. Depending on the policy, it may cover liability, collision damage, theft, fire, wind, flood, vandalism, personal belongings, roadside assistance, emergency expenses, and campsite liability.

RVs combine vehicle risks with many of the property and liability exposures associated with a temporary or full-time residence. That makes an ordinary auto policy or homeowners policy an incomplete substitute for dedicated RV coverage.

Motorized RVs generally need Florida-required motor vehicle insurance when they are registered for road use. Towable RVs usually do not have the same separate liability requirement, but owners commonly buy a dedicated policy to protect the trailer itself, its equipment, personal belongings, and campsite exposures.

Get a Florida RV Insurance Quote

Whether you own a Class A motorhome, Class B camper van, Class C motorhome, travel trailer, fifth wheel, toy hauler, or pop-up camper, Sun Insurance Services can help you review available coverage options.

Start My RV Quote Call or Text (407) 781-1600

Coverage cannot be bound, changed, or confirmed through a website form, voicemail, text message, or email. Coverage becomes effective only after confirmation from a licensed insurance representative.

RV Insurance for Florida Roads, Campgrounds and Storm Risks

Florida is a natural destination for RV owners, seasonal residents, snowbirds, and families who travel between campgrounds, state parks, beaches, sporting events, and vacation destinations. However, the same conditions that make Florida appealing also create distinct insurance risks.

A motorhome can be exposed to highway collisions, liability claims, towing expenses, electrical fires, falling trees, wind, hail, floodwater, and theft. A travel trailer may spend months in outdoor storage before being towed hundreds of miles. A fifth wheel may contain expensive electronics, appliances, solar equipment, furniture, and personal property. Meanwhile, a full-time RVer may depend on the unit as a primary residence.

Coverage needs therefore depend on more than the RV’s year and value. Insurers also consider how the RV is used, who drives it, where it is stored, whether it is financed, whether it is rented to others, and whether the owner lives in it full time.

An independent insurance agency can compare available options rather than limiting the discussion to one company. Sun Insurance Services has served Florida insurance customers since 2003 and can help coordinate RV coverage with Florida auto insurance, homeowners, renters, flood, boat, motorcycle, and umbrella policies.

Who Needs RV Insurance in Florida?

Anyone who could not comfortably absorb the cost of replacing or repairing an RV should consider dedicated coverage. Insurance may also be required by Florida law, a lender, a lease agreement, a storage facility, or an RV park.

Owners of Motorized RVs

Class A, Class B, and Class C motorhomes are self-propelled motor vehicles. When registered for road use in Florida, they generally must carry the state-required motor vehicle insurance. Owners should also consider bodily injury liability, uninsured motorist coverage, collision, comprehensive, roadside assistance, and emergency-expense protection.

Travel Trailer and Fifth-Wheel Owners

A towable trailer is not self-propelled, so it generally does not carry the same separate statutory liability requirement as a motorhome. However, the tow vehicle’s liability coverage does not automatically insure damage to the trailer. A separate RV policy can cover collision, theft, fire, wind, falling objects, flood, personal belongings, and vacation liability.

Motorhome vs. Towable RV Insurance

Common insurance differences between motorized and towable RVs
Issue	Motorhome	Travel Trailer or Fifth Wheel
Self-propelled	Yes	No
Florida motor vehicle coverage	Generally required when registered	Usually handled differently because the unit is towable
Liability while moving	Provided by the motorhome policy	May extend from the tow vehicle, subject to policy terms
Damage to the RV itself	Requires collision or comprehensive coverage	Requires separate physical-damage coverage
Vacation liability	Often optional or included by endorsement	Often optional or included by endorsement

Owners With RV Loans

Lenders commonly require comprehensive and collision coverage, a maximum deductible, continuous insurance, and listing of the lender as loss payee. The legal minimum is not the same as the lender’s contractual requirement.

Full-Time RV Residents

Full-time RVers need more than recreational-use coverage. A full-timer policy may provide broader personal liability, medical payments, personal belongings coverage, emergency expense, and other residential-style protection. Full-time occupancy must be disclosed accurately.

Seasonal Residents and Snowbirds

Seasonal use does not eliminate risk. An RV stored in Florida can still be damaged by hurricanes, flooding, falling branches, theft, fire, vandalism, pests, or another vehicle. Storage location is an important rating and underwriting factor.

Owners Who Rent Their RVs

Peer-to-peer rentals and commercial use may be excluded under a personal RV policy. Platform-provided coverage can also have restrictions, large deductibles, and gaps. Confirm rental use with the insurer before making the RV available to others.

Owners of Older, Restored, or Customized RVs

Older motorhomes, vintage trailers, converted vans, custom interiors, solar systems, lithium batteries, generators, accessibility modifications, and upgraded towing equipment can create valuation and repair challenges. Detailed receipts and photographs help establish the value of improvements.

What Does Florida RV Insurance Cover?

Coverage varies by insurer, policy form, RV type, limits, deductibles, endorsements, listed drivers, and declared use. The phrase “full coverage” has no universal legal definition. Review the actual policy and declarations page.

Bodily Injury Liability

Bodily injury liability can pay for injuries you cause to other people while operating an insured motorhome. It may also provide a legal defense, subject to policy terms. Because RVs are large and can carry several passengers, serious crashes may produce substantial medical and legal costs.

Property Damage Liability

Property damage liability can respond when an insured motorhome damages another vehicle, a campground electrical pedestal, a building, fence, guardrail, fuel pump, landscaping, or other property. Florida’s minimum limit may be insufficient for a major loss.

Personal Injury Protection

Florida Personal Injury Protection, commonly called PIP, generally applies to qualifying motor vehicles and helps pay covered medical expenses and certain other losses regardless of fault. Review the current requirements through the Florida Department of Highway Safety and Motor Vehicles.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage may protect insured occupants when an at-fault driver has no bodily injury liability insurance or does not carry enough coverage. It can also be important after a hit-and-run accident.

Collision Coverage

Collision coverage can pay for covered damage to the RV after a crash, rollover, jackknife, backing accident, trailer-sway incident, or impact with another object. The selected deductible normally applies.

Comprehensive Coverage

Comprehensive coverage generally addresses non-collision losses such as theft, vandalism, fire, falling trees, wind, hail, lightning, animal contact, glass breakage, and flood. It is especially important for RVs stored outdoors in Florida.

Florida Hurricane and Flood Guidance

Comprehensive coverage may respond to direct damage caused by wind, falling debris, hail, floodwater, or storm surge. However, insurers may restrict new coverage or coverage changes when a named storm approaches. Do not wait until a hurricane watch or warning to review the policy.

Personal Belongings Coverage

RV policies may provide personal-effects coverage for clothing, electronics, cookware, camping supplies, bicycles, furniture, portable appliances, and other property. Limits, deductibles, and special sublimits may apply. Jewelry, collectibles, firearms, business equipment, and high-value electronics may need separate protection.

Vacation Liability

Vacation liability may apply when the RV is parked and temporarily used as a residence at a campground, RV park, festival, tailgate, or other eligible location. It can help if a guest is injured or you cause covered damage around the campsite.

Full-Timer Liability

Full-timer liability is designed for eligible owners who use the RV as a primary residence or occupy it for extended periods. It can resemble the personal liability protection found in a homeowners or renters policy, but the exact coverage varies.

Emergency Expense and Trip Interruption

When a covered loss disables the RV away from home, emergency-expense or trip-interruption coverage may help with temporary lodging, meals, transportation, or return travel. Distance requirements, daily limits, total limits, and waiting periods may apply.

Roadside Assistance and Specialized Towing

RV roadside assistance may include heavy-duty towing, tire service, battery assistance, fuel delivery, lockout service, mobile repair, winching, and extraction. Verify weight limits, towing distance, and whether both the tow vehicle and trailer are covered.

Attached Accessories and Custom Equipment

Awnings, satellite systems, solar panels, generators, lithium battery systems, upgraded electronics, outdoor kitchens, custom cabinetry, towing systems, and accessibility modifications may require higher limits or scheduled coverage.

Total-Loss Replacement and Valuation Options

Common RV valuation methods
Valuation method	How it generally works	Main concern
Actual cash value	Settlement generally reflects market value and depreciation at the time of loss.	The payment may be substantially lower than the original purchase price.
Agreed value	The insurer and policyholder agree on an insured value, subject to policy terms.	Documentation and eligibility requirements may apply.
Stated value	The policy lists a value, but the settlement may still be subject to policy valuation language.	It is not always the same as guaranteed agreed value.
Total-loss replacement	Eligible newer RVs may qualify for replacement with a comparable new unit after a covered total loss.	Age, ownership, and time limits may apply.

What Is Not Covered by RV Insurance?

RV insurance is designed for accidental, direct physical loss and liability exposures described by the policy. It is not a maintenance plan or mechanical warranty.

Wear and tear: Worn tires, faded surfaces, aging roof seals, corrosion, rust, delamination, and ordinary deterioration are generally excluded.
Mechanical breakdown: Failure of an engine, transmission, appliance, generator, air conditioner, slide-out mechanism, or leveling system is generally not covered unless a separate endorsement applies or a covered loss causes resulting damage.
Gradual water intrusion: Long-term roof leakage, failed caulking, neglected seals, rot, and mold are commonly excluded.
Pest damage: Rodent, insect, or infestation damage may be excluded or limited.
Undisclosed full-time use: A recreational-use policy may not respond as expected when the RV is actually used as a primary residence.
Rental or commercial use: Peer-to-peer rental, mobile business operations, worksite housing, and other commercial activities may require specialized coverage.
Property above sublimits: Jewelry, collectibles, business property, cameras, computers, and sporting equipment may be subject to special limits.
Intentional or illegal acts: Intentional damage, fraud, racing, and prohibited activity are generally excluded.
Territorial restrictions: Coverage for Mexico or travel outside the policy territory may require separate insurance.

Important distinction: Sudden water damage caused by a covered storm-created opening may be handled differently from months of leakage caused by deteriorated seals. Maintenance records, photographs, and prompt reporting can be important during a claim investigation.

For help understanding a policy exclusion or unresolved claim issue, consult the Florida Department of Financial Services consumer resources.

Is RV Insurance Required in Florida?

Motorized RVs generally must carry Florida-required motor vehicle insurance while registered for road use. Towable travel trailers and fifth wheels generally do not have the same separate liability-insurance requirement, although lenders and owners often require or choose dedicated physical-damage coverage.

Requirements for Motorhomes

Florida generally requires a registered motor vehicle with at least four wheels to carry at least $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability. Other financial-responsibility requirements can apply after certain accidents, convictions, or violations. Confirm current requirements with FLHSMV and review Florida Statutes.

Minimum legal limits should not be treated as a recommendation. A motorhome can cause damage well above $10,000 in a multi-vehicle crash or campground accident.

Requirements for Travel Trailers and Fifth Wheels

Towable RVs are not self-propelled. Liability may extend from the tow vehicle while the trailer is properly attached, subject to policy terms. That does not provide complete coverage for damage to the trailer itself. Separate comprehensive and collision coverage is generally needed to protect the unit.

Continuous Insurance and Registration

A Florida-registered motor vehicle generally must maintain required insurance continuously. Storage or temporary inoperability does not automatically end that obligation. Before canceling coverage on a motorhome, address the registration and license plate requirements and confirm lender obligations.

Financed and Leased RVs

A lender may require comprehensive and collision coverage, specific deductibles, continuous insurance, and loss-payee status. Failure to maintain coverage may lead to lender-placed insurance that protects the lender but may provide little or no protection for the owner.

Recommended Limits Beyond the Minimum

RV owners should consider higher bodily injury and property damage liability limits, uninsured motorist coverage, adequate personal-effects limits, and a Florida umbrella policy when eligible.

How Much Does RV Insurance Cost in Florida?

As a carrier-specific benchmark, Progressive reported 2024 average annual Florida premiums of approximately $841.16 for travel trailers and $1,386.04 for motorhomes. These figures represent Progressive customers, not a universal statewide average. Review Progressive’s Florida RV premium methodology.

Broad planning examples for RV insurance costs; actual quotes can fall outside these ranges
RV type	Illustrative annual range	What can move the price
Pop-up camper	$150 to $500	Value, storage, deductibles, and physical-damage coverage
Travel trailer	$250 to $1,200	Age, size, value, usage, location, and belongings limits
Fifth wheel	$500 to $2,000	High-value interiors, full-time use, and replacement cost
Class B camper van	$700 to $2,000	Vehicle value, drivers, annual mileage, and custom equipment
Class C motorhome	$900 to $2,500	Size, liability limits, drivers, use, and location
Class A motorhome	$1,200 to $4,000+	Luxury value, repair costs, liability, and full-time use
Full-time RV	$1,500 to $4,000+	Residential liability, belongings, location, and occupancy

These ranges are broad illustrations, not quotes or guarantees. An individual premium may fall below or above them.

What Affects the Cost of RV Insurance in Florida?

RV type and size: Motorhomes create liability and physical-damage exposure, while towables are rated differently.
Value, age, and condition: Luxury finishes, hard-to-find parts, prior damage, and older construction can affect eligibility and repair costs.
Use and occupancy: Recreational, seasonal, full-time, rental, and commercial use are rated differently.
Driver history: Accidents, violations, claims, license history, and motorhome-driving experience matter.
Annual mileage: More road exposure generally increases the chance of a loss.
Storage location: ZIP code, distance from the coast, flood exposure, indoor or outdoor storage, security, and tree exposure can affect pricing.
Hurricane exposure: Wind, hail, flood, storm surge, and catastrophe concentration influence underwriting.
Limits and deductibles: Higher limits generally cost more, while higher deductibles may reduce premium.
Valuation method: Agreed value or total-loss replacement may cost more than actual cash value.
Belongings and equipment: Higher personal-effects limits, solar systems, generators, electronics, and custom interiors increase insured value.
Prior insurance: Coverage lapses can affect eligibility and premium.
Credit-based insurance information: Where permitted, insurers may use insurance-related credit information as one rating factor.

How to Save on Florida RV Insurance

The lowest premium is not always the best value. Compare policies using equivalent limits, deductibles, valuation methods, roadside benefits, and exclusions.

Bundle eligible RV, auto, homeowners, renters, boat, motorcycle, or umbrella policies.
Compare several insurers through an independent agency.
Select a deductible you can realistically pay after a loss.
Use secure, covered, gated, or indoor storage when practical.
Ask whether approved safety or defensive-driving courses qualify for a discount.
Maintain a clean driving record and disclose all regular operators.
Ask about paid-in-full, automatic-payment, paperless, or advance-quote discounts.
Review current value, annual mileage, usage, storage address, and custom equipment at renewal.
Avoid insurance lapses.
Remove duplicate roadside coverage only after comparing towing limits and services.

Compare My RV Renewal

Common Florida RV Insurance Claims

Hurricane Wind Damages a Stored Travel Trailer

Wind tears away an awning, debris damages the roof, and rain enters through a storm-created opening. Comprehensive coverage may apply, subject to the deductible and exclusions. Long-standing roof deterioration may not be covered.

Rising Water Floods a Motorhome

A motorhome is parked in a low-lying storage area when heavy rainfall causes water to enter the cabin and engine compartment. Comprehensive coverage may respond. Do not attempt to start a flooded motorhome. Photograph the water line and arrange professional towing. See our guide to vehicle flood damage in Florida.

Fifth Wheel Is Damaged in a Towing Accident

Trailer sway causes a fifth wheel to strike a guardrail and overturn. Collision coverage may pay for covered damage to the fifth wheel. The tow vehicle’s liability coverage may address injury or property damage caused to others.

Motorhome Backs Into Campground Equipment

The insured damages an electrical pedestal and sewer hookup while backing into a campsite. Property damage liability may respond to the campground’s damage, while collision coverage may address damage to the motorhome.

Generator and Electronics Are Stolen

Thieves break into a stored RV and remove a generator, televisions, and camping equipment. Comprehensive coverage may pay for break-in damage, while personal-effects or custom-equipment coverage may address stolen property, subject to limits.

Guest Falls at the Campsite

A visitor falls on the RV steps and alleges that poor lighting caused the injury. Vacation liability or full-timer liability may respond, depending on the RV’s use and policy terms.

Electrical Failure Causes a Fire

An electrical event causes a fire that damages the RV and personal belongings. Comprehensive and personal-effects coverage may apply. The failed component itself may be treated differently from resulting fire damage.

Total Loss Creates a Valuation Dispute

A motorhome is declared a total loss. The owner expects reimbursement for the original purchase price, but the policy provides actual cash value. Depreciation reduces the settlement. This is why valuation language should be reviewed before a claim.

Common Florida RV Insurance Mistakes

Assuming auto insurance fully covers a travel trailer. Liability extension is not the same as physical-damage coverage.
Relying on homeowners insurance for RV belongings. Off-premises limits, sublimits, and deductibles may create gaps.
Buying only Florida minimum limits. A large RV can cause severe injuries and expensive property damage.
Choosing the wrong valuation method. Actual cash value, agreed value, stated value, and total-loss replacement are not interchangeable.
Failing to disclose full-time use. Incorrect occupancy information can affect underwriting and claims.
Renting the RV without confirming coverage. Personal policies often exclude rental or commercial use.
Canceling coverage during storage. Theft, fire, hurricane, flood, vandalism, registration, and lender exposures remain.
Failing to insure custom equipment. Solar panels, generators, batteries, electronics, and custom interiors can materially increase value.
Selecting inadequate roadside assistance. Ordinary passenger-car towing may not cover a large motorhome or trailer.
Ignoring hurricane and flood exposure. Storage elevation, coastal proximity, trees, and evacuation timing matter.
Failing to document the RV. Maintain photographs, receipts, serial numbers, upgrade invoices, and valuation records.
Not coordinating the tow vehicle and trailer. Review both policies together to reduce gaps and claim confusion.

Not Sure Whether Your RV Is Properly Insured?

An RV policy should reflect the correct classification, recreational or full-time use, current value, loan requirements, storage address, custom equipment, personal belongings, liability limits, roadside needs, and emergency-expense exposure.

Review My Current RV Policy Call or Text (407) 781-1600

Florida RV Insurance Frequently Asked Questions

Is RV insurance required in Florida?

Motorized RVs generally must carry Florida motor vehicle insurance while registered for road use. Towable travel trailers and fifth wheels generally do not have the same separate liability-insurance requirement. However, owners frequently purchase dedicated coverage to protect the trailer, equipment, personal belongings, and campsite liability. Lenders may also require comprehensive and collision coverage.

Does a travel trailer need insurance in Florida?

Florida generally does not require the same separate motor vehicle liability policy for a towable trailer as it does for a motorhome. However, the tow vehicle’s liability coverage does not automatically cover damage to the trailer. A separate RV policy can cover collision, theft, fire, wind, flood, personal belongings, and vacation liability.

Does a fifth wheel need separate insurance?

A fifth wheel generally needs its own policy when the owner wants coverage for damage to the unit, theft, weather losses, belongings, emergency expenses, and vacation liability. A lender will usually require comprehensive and collision coverage while the fifth wheel is financed.

How much does RV insurance cost in Florida?

Cost depends on the RV type, value, age, storage location, drivers, annual mileage, use, claims history, limits, deductibles, and endorsements. Motorhomes generally cost more than towable trailers because they create both liability and physical-damage exposure.

Does RV insurance cover hurricane damage?

Comprehensive coverage may cover direct hurricane damage caused by wind, falling trees, flying debris, hail, or floodwater, subject to exclusions and deductibles. Damage from long-term deterioration, neglected seals, or existing leaks may not be covered.

Does RV insurance cover flood and storm-surge damage?

Comprehensive coverage may cover direct damage caused by rising water, flash flooding, or storm surge. Liability-only coverage does not cover flood damage to the insured RV. Do not try to start a flooded motorhome.

Does RV insurance cover roof leaks?

Coverage depends on the cause. A policy may cover resulting water damage when a covered event creates a sudden opening. Gradual leakage caused by failed caulking, deteriorated seals, poor maintenance, rot, or ordinary wear is generally excluded.

Does auto insurance cover a travel trailer?

The tow vehicle’s liability coverage may extend to a properly attached trailer when it causes injury or property damage. That does not necessarily insure damage to the trailer itself. Separate comprehensive and collision coverage is generally needed.

Does homeowners insurance cover an RV?

Homeowners insurance generally does not replace a dedicated RV policy. It may provide limited coverage for certain belongings away from the residence, but it does not provide complete collision, comprehensive, roadside, vacation-liability, or motor vehicle liability coverage.

What is full-time RV insurance?

Full-time RV insurance is designed for eligible owners who use the RV as a primary residence or occupy it for extended periods. It may provide broader personal liability, medical payments, belongings, and emergency-expense protection than a recreational-use policy.

What is vacation liability coverage?

Vacation liability may provide personal liability protection when the RV is parked and used temporarily as a residence. It may respond when a guest is injured or the insured causes covered property damage around the campsite.

What happens if my RV is totaled?

The settlement depends on the policy’s valuation provision. Actual cash value generally reflects depreciation, while agreed-value or qualifying total-loss-replacement coverage may calculate the settlement differently. The deductible, loan balance, salvage title, and ownership of the damaged RV may also affect the process.

Can I cancel RV insurance while it is in storage?

Canceling coverage may leave the RV uninsured against theft, fire, wind, flood, vandalism, and falling objects. A registered motorhome may remain subject to continuous insurance requirements, and a lender may require uninterrupted coverage. Speak with your agent first.

Does RV insurance cover personal belongings?

Many policies offer personal-effects coverage for clothing, electronics, camping equipment, cookware, and portable appliances. Limits, deductibles, valuation methods, and sublimits apply. High-value items and business property may need separate coverage.

Does RV insurance include roadside assistance?

Roadside assistance may be available as an optional endorsement or policy feature. It can include specialized towing, tire service, battery assistance, fuel delivery, lockout service, winching, or mobile repair. Verify weight and towing-distance limits.

Can someone else drive my motorhome?

Coverage depends on the policy, the driver’s relationship to the insured, whether use was permitted, and whether the person should have been listed. Household members and regular operators should be disclosed.

Can I rent my RV to someone else?

Personal RV insurance may exclude peer-to-peer rental, commercial rental, paid delivery, or other business use. Platform coverage may contain limits, exclusions, and high deductibles. Obtain written confirmation before renting the RV.

Does Florida RV insurance cover travel outside the state?

Many policies provide coverage within a defined territory that includes the United States and Canada. Mexico or other countries may be excluded or require separate insurance. Verify territorial restrictions before crossing a border.

Can I bundle RV insurance with auto or homeowners insurance?

Some insurers offer multiline discounts when RV coverage is combined with eligible auto, homeowners, renters, boat, motorcycle, or umbrella policies. Availability varies. Compare equivalent limits, deductibles, valuation provisions, and endorsements.

What information is needed for an RV insurance quote?

You may need the year, make, model, VIN, purchase price, current value, RV type, storage address, annual mileage, recreational or full-time use, driver information, loan details, custom equipment, desired limits, deductibles, claims history, and current insurance information.

Why Work With an Independent RV Insurance Agent?

An independent agent can compare available options from multiple represented insurance companies rather than limiting the discussion to one carrier.

Different carrier appetites: One insurer may prefer newer travel trailers, while another may be more competitive for motorhomes, full-time use, or custom equipment.
Policy comparison: An agent can compare liability limits, deductibles, valuation methods, roadside benefits, personal-effects coverage, exclusions, and emergency expenses.
Policy coordination: RV insurance should work with the tow vehicle, homeowners, renters, boat, motorcycle, flood, and umbrella policies.
Renewal support: Review coverage after buying or selling an RV, changing storage, becoming a full-time RVer, adding a driver, installing equipment, moving, or receiving a large renewal increase.

Why Florida RV Owners Choose Sun Insurance Services

Sun Insurance Services is an independent insurance agency based in Orlando and serving customers throughout Florida. The agency has helped individuals, families, and businesses compare insurance options since 2003.

Independent access to multiple insurance markets
Experience with Florida auto, homeowners, condo, renters, flood, boat, motorcycle, umbrella, and recreational-vehicle risks
Direct access to licensed insurance professionals
Coverage reviews focused on policy terms, not only price
Plain-language explanations of limits, deductibles, exclusions, and valuation options

Sun Insurance Services, Inc.
7680 Universal Boulevard, Suite 198
Orlando, FL 32819
Call or Text (407) 781-1600
Monday through Friday, 8:30 a.m. to 5:00 p.m.

The agency serves RV owners across Florida, including Orlando, Windermere, Winter Garden, Kissimmee, Davenport, ChampionsGate, Clermont, and surrounding Central Florida communities. Learn more about working with a Florida independent insurance agency.

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Request a Florida RV Insurance Quote

Provide information about your RV, how it is used, where it is stored, and the coverage you want to compare. A Sun Insurance Services agent can review available options and contact you to discuss the next steps.

Information That Can Help With Your Quote

RV year, make, model, VIN, length, purchase price, and current value
Motorhome, travel trailer, fifth wheel, camper van, toy hauler, or pop-up classification
Recreational, seasonal, full-time, rental, or business use
Primary storage or garaging address
Annual mileage and number of days used
Driver information, accidents, violations, and RV-driving experience
Loan or lender information
Current insurer, renewal date, premium, limits, and deductibles
Custom equipment, solar systems, generators, batteries, electronics, and accessories
Desired liability, physical-damage, belongings, roadside, and valuation options

Submit My RV Quote Request Call or Text (407) 781-1600

Review the Sun Insurance Services Privacy Policy before submitting personal information.

Submitting a form does not bind, change, or confirm insurance coverage.

Florida Auto Insurance for tow vehicles and household vehicles
Florida Homeowners Insurance for a primary residence and household liability
Florida Renters Insurance for eligible renters and personal belongings
Florida Flood Insurance for eligible homes and property
Florida Umbrella Insurance for additional qualifying personal liability protection
Florida Boat Insurance for RV owners who also enjoy boating
Florida Motorcycle Insurance for motorcycles carried or towed with an RV

Protect Your RV Before the Next Florida Road Trip or Storm

Motorhomes and towable RVs have different legal and insurance needs. Florida owners also face hurricane, flood, theft, storage, road, towing, liability, and total-loss risks. Coverage should match the RV type, value, use, drivers, belongings, storage location, custom equipment, and lender requirements.

An independent insurance agent can help compare available policies and identify gaps before a serious loss occurs.