Florida RV Insurance Information
(Recreational Vehicle)
The value of good recreational vehicle insurance often doesn't become
apparent until you really need it. Whether it's a minor fender bender or a more
substantial accident, it pays to have Florida RV insurance coverage you can
count on.
Let one of our experienced Florida RV insurance policy specialists explain the
different Liability limits, Comprehensive, Collision, Personal Injury Protection,
Uninsured Motorist, and Medical coverages, as well as Full-Timer coverage,
Vacation Liability coverage, Total Lost Replacement Cost coverage for newer
RV's, and the deductibles that are available for you to choose from. We offer
affordable recreational vehicle (RV) insurance policies from leading insurance
companies serving Florida.
Learn more about Florida RV Insurance policy
coverage options below!
Click on the link below to fill out a secure quote request form for a Florida RV
Insurance policy that will provide excellent RV insurance coverage at an
affordable cost. Or you can speak with our Florida RV Insurance specialist toll
free at 888-487-1445 to discuss the policy features in more detail.
We are an independent Boca Raton, Florida insurance agency offering affordable RV
insurance policy premiums in the following towns, cities and counties in south Florida:
Boynton Beach, Gulf Stream, Delray Beach, Lantana, Rainbow Lakes, Atlantis, Lake
Worth, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm
Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park,
Royal Palm Beach, Jupiter, Coral Springs, Fort Lauderdale, Parkland, Coconut Creek,
Margate, North Lauderdale, Lighthouse Point, Hillsboro Beach, Deerfield Beach, The
Hamptons, Highland Beach, Weston, Plantation, Playland Isles, Melrose Park,
Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park, Lauderdale Lakes, Sea
Ranch Lakes, Villages of Oriole, Pompano Beach, Lauderdale-by-the-Sea, Boca
West, Boca Pointe, Juno Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm
Beach Shores, South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead,
Florida City, Leisure City, Richmond Heights, Pinecrest, Howard, Coral Way Village,
Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North Bay
Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami
Shores, Medley, Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park,
Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North,
Carol City, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles
Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami
Beach, Hallandale Beach, Ives Estates, Pembroke Park, Coral Gables, Kendall, Dania
Beach, Cooper City, Davie, West Miami, Hollywood, Broward County, Martin County,
Miami-Dade County, and Palm Beach County, FL. We can also offer less expensive
Florida RV insurance policy coverage services throughout the Sunshine state,
including in Winter Haven, Lakeland, Miami, Orlando, Tampa, St. Petersburg,
Tallahassee, and Jacksonville, FL.
Covers damage caused to the owners RV from a collision caused by another auto,
RV, or other object. The deductible is the amount you choose to pay upfront (if any)
before the RV insurance policy pays. The higher the deductible chosen the lower the
collision coverage cost within the Florida RV insurance policy.
This coverage comes into play when an at-fault driver has RV, auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of RV insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident
caused by a driver who has insufficient RV, auto or motorcycle insurance
coverage. The RV insurance coverage typically pays the difference between the
coverage limit you select and the other driver's bodily injury coverage limit. This is
not a required Florida RV insurance coverage.
Underinsured Motorist Property Damage Coverage
Protects you if your RV is damaged in an accident caused by a driver who has
insufficient insurance coverage. This coverage pays the difference between the
coverage limit you select and the other driver's property damage coverage limit.
This is not a required RV insurance coverage in Florida.
Florida RV Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a Florida RV
Insurance policy that will provide excellent insurance coverage at an affordable
cost. Or you can speak with our Florida RV Insurance specialist toll free at 888-
487-1445 to discuss the policy features.
Covers damage caused to the insured's RV (your RV) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest.
The deductible is the amount you choose to pay upfront (if any) before the Florida
RV insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost within the Florida recreational vehicle insurance
policy.
Florida RV Insurance Policy FAQ
Florida RV Insurance Policy FAQ
Florida RV Insurance Policy FAQ
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an
RV insurance policy. This is not required in Florida unless you displayed a financial
irresponsibility following an accident. The minimum liability insurance coverage
available for purchase in Florida is 10/20 and is explained in detail below. However,
we recommend that you choose liability insurance coverage amounts that are much
higher than the minimums set by the state of Florida and are listed below. Contact
us toll free at 888-487-1445 to discuss what liability coverage amounts you require
to meet your family and personal needs.
Florida Liability Coverage limits explanation:
10/20/10 10=$10,000 - 20=$20,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, RV, car, truck, fence, or house, is covered through property damage
RV insurance coverage. This coverage also assists in protecting you if a lawsuit
arises from an accident. The minimum coverage amount in Florida is $10,000.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings,
neck braces and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.

$5,000 death benefit
Florida RV Insurance Policy FAQ
Florida RV Insurance Policy FAQ
Florida requires a minimum of $10,000 of (PIP) or personal injury protection
coverage. This coverage pays medical bills for injuries suffered in a RV accident
regardless of who caused the accident.
Medical payments coverage pays for the medical and funeral expenses for you or
others hurt or killed in an accident while riding in or driving your RV. Claims against
this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental,
professional nursing, prosthetic, and funeral expenses. It will also cover you or
members of your family if you are hit by a RV when you are walking or if you are
riding in another RV. This coverage will pay for your medical and funeral expenses
even if you cause the accident. The coverage is often limited to medical care you get
in the first one, two, or three years after the accident and is limited to a specific dollar
amount. This is not a required Florida recreational vehicle (RV) Insurance coverage.
Florida RV Insurance Policy FAQ
25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.

Example of uninsured motorist limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-
fault driver who has no auto liability insurance. This coverage is not required for Florida
RV Insurance. Contact us to discuss what uninsured coverage amounts you require to
meet your family and personal needs.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
SSL Secure
SSL Secure
Florida RV Insurance Policy Information
Proudly Serving South
Florida Since 2002!
Florida RV Insurance Information
Optimal Insurance Group
4800 North Federal Hwy
Suite D-106
Boca Raton, Florida 33431
Palm Beach County FL
Toll Free: 888-487-1445
(561) 922-3663
Fax: 866-314-4026
Optimal Insurance
Florida
Personal
Insurance
Group
Copyright 2009-2010 Optimal Insurance Group, Inc. - All rights reserved
Website Builder & Supervised by InsuranceWebsiteServices.com