When you drive down the road and see a nice RV with the little car being towed behind, do you say to yourself, man that guy has a little piece of heaven right there or are you like my wife that says that looks like torture.  I can certainly understand the whole RV concept in getting to your retirement years, jumping in the RV and viewing new scenery everyday. On the other hand, I hate driving long distances so I'm not sure that is my cup of tea either.

Whether you think this is for you or not, to keep this adventure in check, you need to have a good RV Insurance plan in place.  This RV insurance goes a long way in giving you the peace of mind that allows you to truly enjoy your travels. After all, your RV isn’t just any vehicle. It’s your home on wheels. Call Southern Insurance Group for a customized RV Insurance plan that provides you with the protection that your home away from home deserves.

Is my RV covered under my Auto Insurance policy?

Your RV is considered a vehicle so it can be added to your Clermont auto insurance as an additional vehicle. Note that not every auto insurance carrier offers RV insurance so Southern Insurance Group will shop all our carriers to find the best company for your RV. Most of our Clermont auto insurance carriers who cater to the older cliental definitely provide very competitive rates for RV insurance and allow you to add the RV directly to your auto policy thus giving you a multi-vehicle discount.

We will make sure that you have all the necessary coverage's that you need to cover life's unexpected curve balls that may come your way. For instance, what if your RV breaks down in a remote area where there are no service stations to get you back on the road? Having you towed to the nearest facility may cost you over a thousand dollars. We provide coverage for such an event. This and a whole lot more is what we will review with you to make sure you have the right coverage's before you start your adventure.

Well, first, congratulations on a lifelong dream come true! An RV is a great way to see the country. And it only makes sense that you will want the best protection for your new investment.

It is true that an RV can be added to an Auto insurance policy with a special endorsement. However, we strongly recommend a stand-alone RV insurance policy because it provides much broader coverage.

Ah! You may think that a stand-alone policy must come at a much higher price, too? But not always! In fact, in many cases, a stand-alone RV policy actually costs less than the endorsement to your auto insurance, although it provides broader coverage.

One of the biggest advantages of stand-alone RV insurance is that it offers “replacement coverage” while your auto policy will only cover your RV for “actual cash value”. That means if your RV is totaled and insured on a separate RV policy, your insurance will pay the cost to replace your RV. Your auto insurance will only pay what your RV was worth at the time of the loss. At the quick rate that all vehicles depreciate in value, that won’t be as much, especially if your RV was an older model.

Also, RV insurance provides better Roadside Assistance, Personal Property and Vacation Liability coverage that an auto policy can’t offer. Think about it this way: An RV is much bigger and much more expensive to repair than, say, a small sedan. Just a simple windshield replacement on an RV can cost up to $1,000! Your auto policy is made for a car, and its limits likely can’t keep up with the ‘needs’ of an RV.

Another perk of a stand-alone RV policy is the ‘disappearing deductible’. For every year that you drive your RV claims-free and accident-free, your deductible will drop 25%! Yes, your math is correct: This means that after four years without a claim or an accident, you will have a zero deductible on your RV insurance.

Give us a call 352-243-9000! We have many options, and we will customize a plan that protects your new investment at the best value for your dollar.

What does an RV insurance policy cover?

An RV policy is very similar to an auto insurance policy in that it provides some of the same coverages as your car insurance, just adapted for the larger size (and the usually higher cost for repairs) of an RV. Here they are:

  • Bodily Injury / Property Damage Liability: This coverage pays for any injuries or damages that you cause to another party due to your negligence.
  • Uninsured / Underinsured Motorist: Pays for your losses if the person who hit you does not have insurance or the financial resources to compensate you for the damage. This cover pays for injuries as well as pain and suffering.
  • Medical Payments: This coverage may be used to pay for your necessary medical expenses in case of an accident regardless of who is at fault. You can select the amount of coverage that you like.
  • Comprehensive / Collision Coverage: If you RV is damaged in any way whether or not it is your fault, these coverage's pay to have your RV repaired.

In addition to the above, your RV Insurance provides extra coverage that applies specifically to the size and exposure of an RV:

  • Roadside Assistance: as mentioned above, if your RV breaks down this could be a huge expense in getting your RV towed to the repair facility. Unlike a vehicle, these RV's require a semi tow truck due to the size of the RV which translates to more money for your tow.
  • Emergency Expense: This coverage is automatically included with Comprehensive / Collision coverage and kicks in to cover the cost if a fire department needs to be called to save your RV.

How Does my RV insurance cover me outside the US?

Too many times people assume that the auto insurance will cover you while taking your RV to a foreign country like Mexico or Canada. Some carriers do provide coverage while traveling out of the country but quite a few don't. of course before you start your venture, give us a call and we will confirm with you how your coverage's work. We will provide you with a copy of your policy and id cards as it is always a good idea to have a copy with you just in case you get pulled over and this information is required form you.

We know the rules so give us a call and we will review your Clermont RV insurance policy. 


What if I use my RV for several consecutive months at a time?

You finally hit your golden years and you have planned well for retirement and are set financially. You purchase your second home on wheels and are ready for vast exploration across the United States. You don't want to give up your primary residence yet as you  still want a permanent to call home to visit friends and family. So when you are on the road do you have all the necessary coverage's like you do on your primary home for your RV?

A couple coverage's that are unique to owning an RV pertain to vacation liability and contents coverage. I'll explain in more detail below some of the concerns that you need to protect yourself against before you hit the road especially for several months at a time. 

You have homeowner’s insurance for your little house in the suburbs (your command central that allows you to plan the next trip). And, you have RV insurance to cover your ‘home on wheels’. Is there anything else that you should know?

Yes! If you are traveling with your RV for longer periods of time, you should consider two aspects:

  • Vacation Liability: This coverage protects you from liability that arises form you being parked at the campground or RV park where someone gets hurt due to your negligence. For instance, lets say you parked your RV in such a way that part of your RV was obstructing a sidewalk where people walk and ride bikes. A little girl is riding her little bike and runs into your over positioned RV. The injuries sustained form this would be covered under your vacation liability coverage.
That’s what Vacation Liability is for. It can protect you if you are held liable for bodily injury or physical damage to another person. Coverage limits are available from $10,000 to $500,000.

  • Contents Coverage: When you plan to travel for an extended period you will want to bring most of your personal comforts form home along with you. What would happen if someone broke into your RV and took some of your most prized posessions? If you have a primary homeowner policy your contents coverage will transfer over and cover your contents for the loss. However, if you are gone from the home for over 30 days, then most homeowner insurance policies drop this coverage down to 10,000 of protection. 

So if you plan on taking high-value items that exceed this limit, consider Contents Coverage for your RV. (Keep in mind that your TV, stove, and other built-ins are actually not part of your ‘personal property’ but are considered built-ins and are covered under your RV insurance)

Give us a call 352-243-9000 before you take off and we’ll be happy to review your policy and make suggestions for adequate insurance protection.

What if my RV is my primary residence?

If this is your dream to use your RV as your primary residence, then you have mostly be planning this for quite some time. I think it is awesome to be able to pull up stakes and be this adventurous to just travel the open highways seeing all the sights that you have dreamed of seeing. It definitely takes a special person to be able to pull this off.

If this is now your primary residence what kind of insurance can you obtain if your primary residence is traveling all over the United States? The answer is a full timer's package which is a more comprehensive package of coverage's like a homeowner policy for RV's. It includes Liability coverage, Personal property coverage and Medical Payments coverage, and even Loss Assessment coverage (applicable while you rent a location in a community) and Storage Shed Contents coverage (up to $5,000 for items you left stored while you traveled).

For more information, please give us a call 352-243-9000. We are happy to help!

My friends and I bought an RV together. Can we get an RV insurance plan that covers all of us?

There are four of you – yourself, your wife and two great friends...a couple you have been close with now for 50 years. The four of you go way back. You’ve always enjoyed each other’s company and all you’ve always dreamed about owning an RV.

Neither one of you had the money or vacation time to justify such an investment in the past but now that you are all approaching retirement it’s a different story.

And the more you’d been chatting, the more the idea materialized in your minds: Why not buy an RV together?

If you are thinking about purchasing an RV or Travel Trailer together with a group of friends, you are not alone. We count several RV owners among our clients who have decided to ‘team up’ to fulfill this dream for themselves while sharing the financial responsibilities.

There are RV insurance programs that specialize in protection plans for a number of co-owners. Call the experts Southern Insurance Group at 352-243-9000 today and we will help you to customize a plan that works for all of you, while giving you the protection you need.