Peace of mind for you going fishing


Recreational Vehicles

Owning an RV (Recreational Vehicles) can be a lot of fun and provide a novel way to travel across the country, but it also requires a substantial investment and should be treated as such. Many RVs can easily cost as much as a house to purchase, and even modest RVs can be an expensive purchase.

With literally hundreds of RV parks and campgrounds, coupled with year-round weather forecasts that call for sunny skies and warm temperatures, Florida is the RV enthusiast’s paradise. As the popularity of RV ownership increases, however, so too do the number of accidents and incidents that only an RV insurance policy can protect you.

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.


Tell us about your insurance needs.

It’s essential to understand what your coverage options are — not just for your homeowners, but for you, and to others.

Learn More About RV Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right RV insurance policy for your needs and budget.

It's Your Financial Protection.

Understand Florida policy coverages.

Find out what will impact the insurance price.

Why do you need RV Insurance?

If you drive your RV, rather than tow it behind your vehicle, Florida state law requires you to carry insurance on it. The same minimum amount of liability coverage for a car also is needed on an RV.Besides carrying a required motor homes liability insurance, full coverage can be optional based on whether you have the vehicle financed, but just because full coverage is optional does not mean you should necessarily opt-out.You should be able to find a motor home insurance policy for any of the following types of conventional recreational vehicles:

RV Class A, B, and C

Travel trailers

Sport utility RVs

Bus conversion vehicles

Truck campers

Pop-up trailers

Fifth wheels

Toy haulers

Here are some specific circumstances that personal car insurance would cover:

Damage to property in an RV accident caused by you.

Injury cause to others in an auto accident caused by your RV.

Theft or vandalism of your RV.

Your family become injured in an RV accident and need medical assistance.

It will protect you against claims by anyone who injures themselves while on your RV.

At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.

Want to see how much we can save you? Just request a quote to find out.

What does Car Insurance Cover?

The RV insurance provides coverage similar to your personal auto insurance policy. You several options from which to choose as you build your RV insurance policy.

The RV insurance provides coverage similar to your personal auto insurance policy. You several options from which to choose as you build your RV insurance policy.

If your RV vehicles with at least four wheels , must purchase and carry an auto insurance policy with at list two types of coverage.

Personal Injury Protection (PIP)

Property Damage Liability (PDL)

Each those type of coverage must have a minimum of $10,000 coverage amount.

Typical Florida RV Policy Components.

Bodily Injury Liability

This overage pays to others for bodily injury or death resulting from an accident for which you are at fault.

Property Damage Liability

This coverage provides you with protection if your car accidentally damages another persons property

Personal Injury Protection

This overage pays you for bodily injury or death resulting from an accident regardless who at fault.

Uninsured Motorist

This overage pays you for bodily injury from an accident for which you are not at fault including underinsured motorist.

Collision Damages

This coverage pays you for the damage to your vehicles in the event you cause an accident by you or someone.

Comprehensive Damages

This overage pays for damage to your car from cover perils such as theft, vandalism, flood and others.

Additional coverage types may be available depending on the insurance company that you chose.

Medical Payments

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car.

Roadside Assistance

Rental Reimbursement

24-Hour Road Service

Accident Forgiveness

Gap insurance

Custom Auto Equipment

What does Car Insurance Cover?

Auto Insurance vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence an Auto insurance rates.

Base Demographic

— Your age, your gender, your marital status, and education will affect your insurance rates in different ways.

Your RV Features and Characteristic

— RV’s age, type of structure, wiring, roof, garage, etc.

Your Diving Habits

— Your daily driving routine and what purposes you use of your car.

What kind RV vehicle you have

— The price, style and age of your vehicle all contribute to how much car insurance costs will be.

Your Credit History

— The better your credit, the more favorable your rates it will usually be.

Claims History

— Claims maid on a homeowner’s insurance policy it'll increase the premium.

Your Driving History

— Your driving record and loss history plays a substantial role in the rates.

The Coverages You choose

— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.



Top-rated insurance companies in Florida.


We specialize personal and commercial lines.


We’ll be there for you whenever you need us.

Have any questions?

(239) 313-2045

Open Mon - Fri

09:00 - 17:00

Need some help?


Back to Top