Motorhomes
Motorhome/RV Insurance in Florida
Your home away from home deserves more than basic coverage.
Whether you’re traveling across Florida or exploring the country, your motorhome is both a vehicle and a living space—which means it needs protection that covers both sides of that lifestyle.
At Ted Todd Insurance, we’ll help you build a policy that protects your motorhome, your passengers, and your belongings—on the road and at your campsite. From fender benders to fallen branches, we make sure you’re covered where it counts and we’re here to help find the best motorhome insurance in Florida!
What Does Motorhome Insurance Cover?
Unlike standard auto insurance, motorhome coverage is designed to protect the vehicle itself as well as its use as a temporary residence. Whether you have a Class A, B, or C RV, we’ll help you customize a policy to fit your travel style and budget.
Key Coverages for Motorhomes:
- Liability Coverage (Bodily Injury & Property Damage)- Helps pay for injuries or property damage if you're at fault in an accident. It’s required to legally operate your motorhome on Florida roads and covers other people—not your own RV or injuries.
- Medical Payments (Med Pay)- Helps pay for medical expenses for you and your passengers after an accident, regardless of who caused it. A smart layer of protection, especially if you're traveling far from your usual healthcare providers.
- Uninsured/Underinsured Motorist (UM/UIM)- If you're hit by a driver who has no insurance—or not enough to cover your injuries—this coverage can help pay for your medical bills, lost income, and more. This is especially important when traveling in unfamiliar areas where uninsured driver rates may be high.
- Roadside Assistance- Flat tire in the Everglades? Dead battery in the Keys? Roadside assistance helps cover towing, jumpstarts, lockouts, and more—because a breakdown in a motorhome is no small event.
- Comprehensive & Collision Coverage- Collision helps pay for repairs if your motorhome is damaged in a crash—no matter who’s at fault. Comprehensive covers damage from theft, fire, vandalism, falling objects, and weather-related events—including hurricanes, which are a major concern in Florida.