Category: RV Insurance

If you own an RV in or around the Miami, FL metroplex, you probably already know that hurricanes aren’t rare in the area. But, whether you’re a longtime resident, new to the area, or just on an extended visit, all of us at the Prestige Insurance Group want you to stay safe and stay prepared.

How to Prepare Your RV for Hurricane Season

1. Create a Hurricane Preparedness Plan

Not all hurricanes necessitate evacuation, so you need to know precisely what you should do whether you’re staying in place, moving to a more sheltered location, or leaving the area.

2. Pay Attention to the Weather and Stay Informed

Even outside the hurricane season, you should pay attention to the weather and stay informed about potential storms. Stay informed of the weather forecasts and alerts for your area. Know the difference between a watch and a warning, and follow the instructions of the authorities, especially if they issue an evacuation.

3. Keep an Emergency Kit and Supplies at the Ready

Stock your RV with essentials such as water, food, medication, a first-aid kit, batteries, a radio, a phone charger, a flashlight, and other essentials. Also, make sure you have a place to keep your important documents dry in case you need them.

4. Do a Safety Check and Thorough Inspection of Your RV

Fill the fuel tank and check the windshield wipers and tires. Make sure your windows and doors have a good seal, and your roof isn’t leaking. Perform any necessary maintenance and repair any damage you can.

5. Know What Your Insurance Will and Won’t Cover

Check your insurance to make sure you’re covered for hurricanes or damages that can come from a hurricane. Even if you know you have hurricane coverage, you still need to know the extent of it. If you’re not sure or need more information, don’t hesitate to contact your insurance agent or company to figure it all out before a hurricane hits.

We Are Here To Help

If you want to know more about RV insurance in the greater Miami, FL metroplex, contact us at the Prestige Insurance Group today.

Don’t allow your vacation to be ruined because you don’t have insurance on your RV. RV insurance will protect you if you cause damage or injury to another. It also covers costs associated with damage to your vehicle if a covered event happens. Let the Prestige Insurance Group, serving the Miami, FL area, explain the variety of coverage that exists.

Why RV Insurance?

The biggest difference is based upon how you use your RV – recreationally or as a full-time residence. There are differences between traditional auto insurance and RV insurance. When you purchase RV insurance, you will be asked how often it will be used and in what way. Then you select the coverage that will best protect you and your vehicle.

Options include liability, comprehensive, collision, underinsured/uninsured motorist, and RV towing insurance. Typically, the more coverage you have, the higher premium you pay.

While your auto liability covers you for accidents while driving the RV, vacation liability protects you to cover accidents occurring in or around a parked RV while on vacation.

RV insurance may cover theft depending on the type of RV coverage you have. If your policy includes comprehensive, the theft of your RV and components that were part of the RV at the time of purchase, such as folding beds or cabinets, may also be covered.

A standard home insurance policy may cover your personal belongings that are stored inside the RV, such as dishes, clothing, jewelry, and firearms. But it does not cover damage or loss of the RV.

Typically, RV insurance is less expensive because they have fewer claims, drive fewer miles, and are not used for commercial driving purposes.

Give Us A Call

If you want a quote to cover your RV, Prestige Insurance Group in Miami, FL can provide it, along with explaining all the particulars of this type of coverage. Contact us today.

Florida is a popular destination for vacations and the retirement contingent and with this popularity RV’s or Recreational Vehicles are very popular in the state.  Insurance requirements for RV’s are different than your regular auto insurance as RV’s are much larger vehicles on the road with a higher degree of possible damage in the event of an accident.  Whether you’re in Jacksonville, FL or Miami, FL, you should be aware of what the parameters are for RV insurance and RV owners in Florida.

Coverages & No-Fault

Florida has similar minimum coverages for RV’s in comparison to other cars and trucks but again, these are just minimums.  Due to the size of an RV, it’s prudent for owners to carry additional amounts of coverage in case of an accident due to the size disparity to other cars and trucks.  Florida also happens to be a no-fault state, meaning that there is no fault cast to a driver in the event of an accident.  Your insurance will cover the other driver and vice versa after an accident has happened.

Add-Ons

There are many add-ons to your RV insurance that you can purchase to bolster your insurance coverage.  These additional coverages can help with unique situations such as protecting your personal belongings inside of your RV, coverage during emergencies, coverage for personal medical payments, loss assessment coverage, coverage for being on the road full-time in your RV, adding roadside assistance to your coverage, total loss replacement coverage, vacation liability coverage, and other types of coverages that will help recreational vehicle owners.

Learn More

Prestige Insurance Group in Miami, FL has many years of experience in insurance for RV’s, cars, trucks, homes, condominiums, and other forms of insurance. Contact Prestige Insurance Group today to find out more about RV Insurance and coverages in more detail.  

Based in Miami, FL, Prestige Insurance Group serves the community by helping them find insurance coverage. We offer our clients a wide variety of services to help them protect their assets. We want to make sure that our clients are protected if a disaster arises.

A Thorough Overview Of RV Insurance

If you enjoy traveling around in your RV and taking in the beautiful scenery that Miami, FL has to offer, consider RV insurance benefits. While operating an RV is fun, there are also a few risks involved. The policy covers your RV if you are involved in a collision. Liability coverage protects you if you accidentally cause damage to someone else’s property. You are also covered if a passenger gets injured in your vehicle. RV insurance protects you, as an accident can occur at any time.

RV insurance also covers your personal items if they are stolen or damaged due to a fire or some other type of natural disaster. There are a few special situations when you may have to amend your policy to provide extra coverage. You can add extra coverage to protect you if you have special luxury items on your RV, you’ve made some recent changes to the interior, or you added a camper or fifth wheel to your RV. These are special occasions when you have to adjust your policy if something happens.

If you plan to have a road trip in your RV and go on vacation, the policy covers your vehicle if an emergency happens and you need towing services or roadside assistance. If you plan to store your RV and camp somewhere for a while, you can add coverage to protect you if severe weather causes damage.

Prestige Insurance Group Will Help You Cover Your Assets

For information on RV insurance, visit our website today!