Recreational Vehicle Insurance in Winter Garden, FL
Florida is a destination for many outdoor enthusiasts. If you plan on recreating in the Sunshine State, make sure your recreational vehicle (RV) has the proper insurance protection.
What’s Considered an RV? 
When you think of an RV, you may imagine a motorized camper van. However, for insurance purposes, an RV may be considered any sort of recreational vehicle. Depending on the insurance company, an RV may include:
- Camper vans
- All-terrain vehicles (ATVs)
- Jet skis
- Golf carts
- Snowmobiles
What About Boats?
Boats might be considered RVs by some insurance companies; others may classify them separately. Learn more on our Watercraft & Boat Insurance page.
What’s Covered?
RV insurance and boat insurance may differ depending on the insurer, but the coverage protections may be similar. Coverage options may include:
- Physical damage coverage for collisions or theft
- Liability coverage for losses you cause to others
- Medical payments coverage for the medical bills of yourself and passengers if you get into an accident
- Contents coverage for belongings kept in the vehicle
- Emergency services coverage for breakdowns, dead batteries, flat tires and similar issues
- Uninsured/underinsured motorist coverage for damage you face from others without adequate insurance
Do I Need This Coverage?
Having RV or boat insurance is vital if you own such a vehicle. Generally, if an RV is operated on public roads, insurance is required. Similarly, some marinas may require insurance before you can use their services.
Even without legal mandates, proper insurance can help financially protect owners from costly incidents. RVs and boats can cost thousands of dollars, and without insurance, you’d need to cover any repairs after an incident.
Don’t risk hefty out-of-pocket costs on your next excursion. Protect your wallet and insure your vehicle with proper coverage today. Contact Tiago Guimaraes Insurance to get started.