Recreational insurance in Florida covers any recreational vehicle, including RVs, boats, campers, four-wheelers, and any other vehicle used for recreational or living purposes. Most people, especially RV owners, travel outside the state, so knowing whether your insurance is valid in different states is crucial.
What Is Recreational Insurance?
Florida recreational insurance covers various vehicles, including swamp buggies, golf carts, RVs, and other recreational vehicles or boats. It offers options similar to auto insurance.
The state mandates that owners carry limited liability insurance covering property damage. Recreational vehicle owners can also get additional insurance options, such as roadside assistance, comprehensive or collision insurance, and additional bodily injury protection through companies like Americas Insurance Associates.
Does Recreational Insurance Work In Other States?
Typically, recreational insurance works in states you travel to. For example, if you take an RV across state lines, your insurance coverage will still work if there’s an accident.
However, it’s important to note that your insurance must be in your state and where the vehicle is registered. For example, if the RV is registered in Florida but you have insurance in Nevada because you plan to spend three months there, this can void your insurance policy.
Policies Vary
While it’s common for recreational vehicle insurance to work across state lines, policies may vary. Always read the fine print on your insurance policy or contact your insurance agent to specifically ask if the insurance will work where you’re traveling. Insurance companies in every state may not offer certain benefits, such as roadside assistance.
Americas Insurance Associates takes the guesswork out of traveling nationwide. Our agents can help you review your policy to ensure you’re always covered. Contact us to get answers to your questions before you hit the road.
