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RV Insurance - Newfoundland

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RV insurance in St. John’s, Corner Brook and throughout Newfoundland.

Whether it’s a fifth-wheel, travel trailer, or an rv, and whether or not you drive or tow it, wedgwood’s rv insurance can protect your home away from home from top to bottom., as a broker, we aren’t tied to one insurance provider. instead, we shop and work alongside with many of our trusted insurance partners to design an rv policy that fits your lifestyle for on & off newfoundland’s open roads..

At first glance you might think covering a recreational vehicle (or RV) is just like getting ordinary auto insurance, but the freedom of the motorhome lifestyle brings a few extra potential headaches that make this specialized policy worthwhile.

For example, windshield coverage is a must in a camper, given both the significant costs of fitting such a large sheet of glass and the fact that you’ll often need a replacement from a specialized supplier.

From insuring your personal possessions to damage to the RV itself we have you covered. Have questions about insuring your motorhome or RV? Reach out. We’ll walk you through it.

Let’s discuss your RV insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate rv insurance solution. there’s no obligation, just good-old-fashioned advice..

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Wedgwood Insurance offers comprehensive RV insurance in St. John’s, Corner Brook and throughout Newfoundland.

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Motorhome & RV Insurance

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Newfoundland Motorhome & RV Insurance

Are you a weekend warrior? Do you like to hit the road with your RV? Do you pack up the camper and park it for the summer at your favorite camp site? If you answered yes to any of these questions you need to consider Newfoundland Motor Home/RV Insurance.

Even if your current auto policy extends coverage for your motor coach, trailer, camper or fifth-wheel, you need to consider the special features that only Motor Home/RV insurance policy can offer.

Two Policies in One

Why do you need Newfoundland Motor Home/RV insurance? Its complex, because you need the protection of auto insurance when you are the road, but when you’re parked in a campground you need to be protected against theft, liability and other disasters.

Motor Home/RV insurance is like having two policies in one: It protects your vehicle, like an auto insurance policy, and at the same time protects your living area, like homeowner’s insurance. It extends the coverage you receive around the clock. Motor Home/ RV insurance covers your possessions inside your RV. It also looks after physical damages to the inside and outside.

The biggest advantage of stand-alone Motor Home/RV insurance is that you can have “replacement coverage”. Usually your auto policy will only cover your prized possession for “actual cash value”. That means if your motor home/RV is totaled and insured on a separate RV policy, your insurance will pay the cost to replace it. It also provides better Roadside Assistance, personal property and vacation liability coverage than an auto policy.

Our professionals at Crosbie Job know you need Newfoundland Motor Home/RV insurance that is based on strength & experience. You can sleep easy knowing that we’ve got you covered!

Let Crosbie Job do the heavy lifting for you, we will get you the best combination of price and coverage available. All you need to do is fill out our Protection Savings Quote Form to put our professionals to work for you.

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RV and trailer insurance

Already insured with us? Add your RV or trailer to your auto or home policy to keep all your insurance in one place. Get a quote today!

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With your local Desjardins Agent

If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them to get a personalized quote for your motorhome or trailer. You can find their contact information in your online account or with our search tool.

Why you should get RV or trailer insurance

If your RV is motorized, civil liability insurance is legally required to drive it in Canada. However, you're not legally required to insure your RV or trailer if it's not motorized and you tow it behind your vehicle.

In either case, we offer different RV and trailer coverages to protect against certain damage and theft. For example, we can cover your costs if your camper is damaged in a fender bender or if water seeps into it during a storm.

How to insure your RV or trailer with us

Motorhome, tent trailer or utility trailer

To insure these vehicles, you need to add them to your auto policy.

Travel trailer

Depending on whether you keep your travel trailer parked at a campground or bring it to different vacation spots, it will be added under your home or auto policy. Call us to find the best coverage for your situation.

Types of RV s and trailers we insure

• Travel trailers
• Fifth wheels
• Tent trailers or pop-up campers
• Truck campers 
• Utility trailers

When you call, we'll ask about your vehicle to make sure you get the right coverage.

Our RV and trailer insurance coverages

Select a coverage type to see more or scroll down to see them all.

Mandatory coverage

Common optional coverages, other optional coverages, civil liability.

Section A

This coverage is mandatory for motorhomes, but not for travel trailers or other towed vehicles.

• Damage to someone else's property from an accident that's your fault
• Bodily injuries caused to someone who isn't covered by the Société de l'assurance automobile du Québec ( SAAQ ) from an accident that's your fault
• Damage to your motorhome from an accident that's someone else's fault

Quebecers who are injured or lose their life in car accidents are covered under the public automobile insurance plan. In the event of injury or death from a traffic accident, contact the SAAQ to file a compensation claim.

What coverage amount to get

• Minimum amount for our RV insurance: $1 million
• For added peace of mind, for example if you drive outside Quebec: $2 million

Contact us about what coverage amount is right for your needs.

Collision and Upset

Covers damage to your RV or trailer:

• If you're in an accident with another vehicle or an object 
• If your RV or trailer rolls over 
• If you're struck by a hit-and-run driver

You can choose to skip this coverage, unless your vehicle is leased or financed and your lender requires it.

All Perils other than Collision or Upset

Section B3

Covers damage to your vehicle from a range of factors not included in Collision and Upset, such as:

• Fire, theft or vandalism
• Flying or falling objects
• Certain weather events 
• Collision with an animal or a person

Value Plus Option

Endorsement 43

The Value Plus Option™ keeps your new or used vehicle from losing value for up to 5 years in the event of total or partial loss.

If your vehicle is declared a total loss , you'll be paid the price you paid for your vehicle, increased by an annual percentage.

If your vehicle is declared a partial loss , we'll pay to repair the damaged parts or replace them with new ones and cover their loss of value.

This coverage is not offered for travel trailers or other towed vehicles.

Travel Costs

Endorsement 20a

Reimburses you:

• Up to $2,500 if you need to take a taxi, use public transit or rent a vehicle after an insured loss 
• Up to $1,250 for meals and accommodation if the loss occurs while you're travelling in Canada or the United States

Get a quote for your RV or trailer

If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them for a personalized quote for your motorhome or trailer. You can find their contact information in your online account or with our search tool.

Call us today to get an RV  or trailer insurance quote.

What determines the cost of RV or trailer insurance?

Several factors affect the cost of your RV or trailer insurance, such as the make, model, class and year of your vehicle and the coverage you choose.

Insure another vehicle and save

Get a 10% discount on your RV or trailer insurance by insuring an additional vehicle with us. 1

Insure your car with us in addition to your RV or trailer to get a lower rate.

Another recreational vehicle

These vehicles include motorcycles, mopeds, snowmobiles, ATV s and boats.

If your RV is motorized, you're legally required to have at least $50,000 in civil liability insurance to drive it on roads in Quebec. If you drive your vehicle out of the province or to the US, we recommend getting $2 million to be properly covered in case of an accident. This insurance covers you if you damage someone else's property in an at-fault accident.

If your RV or trailer is not motorized and you tow it behind your vehicle, you're not legally required to insure it. But insurance is strongly recommended if you want to be covered in the event of an accident.

It's important to think about how you're going to use your travel trailer before insuring it. If it stays parked at a campground, insurance is not required. However, as soon as you take it on the road, we recommend you take out at least civil liability insurance to protect against the unexpected.

If your travel trailer stays in the same place year-round, you could get home insurance coverage to protect your belongings inside of it.

Call us for advice and to find out which coverage is best for your needs.

No; your home insurance would cover your belongings in your RV or trailer.

For example, if belongings in your camper were damaged after a road accident, you would need to file a home insurance claim for them.

In the event of an accident or loss involving your RV or trailer, you can file a claim online, in the Desjardins Insurance Home-Auto app or by phone. We're here to help 24/7.

See the steps in the claims process

If you aren't going to use your motorhome for more than 60 consecutive days and are putting it in storage, you can let us know via Online Services. You might qualify for savings on your recreational vehicle insurance premium.

To store your motorized RV

• Log in to Online Services
• Click  Vehicle
• Find the vehicle you want to store and click  Edit
• Select  Manage vehicle storage , then click  Start
• Follow the same steps to modify the dates of an upcoming or current storage period.

You don't need to notify us when you put your travel trailer or tent trailer into storage for the winter. When calculating your premium, we take into account that you only use your recreational vehicle seasonally. To ensure your vehicle stays well protected year-round, we recommend that you don't cancel your policy for the winter. For example, if your policy includes protection against fire, theft and vandalism, your trailer will stay covered even if it's parked in a garage during the off-season.

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What You Need to Know About RV and Motorhome Insurance in Canada

Your bags are packed, check. You’ve mapped out the ultimate road trip, check. You’ve got a full tank of gas, check. What about the right type of insurance coverage on your RV? With different types of recreational vehicles and different coverage options available, we'll help answer some questions you may have about your type of RV and the coverage you can get.

What’s the difference between a motorhome, a camper van, an RV and a recreational trailer?

With these terms sometimes used interchangeably, it may be difficult to know the difference between them. Here's an overview:

RV – A recreational vehicle (RV) is used as an umbrella term to describe a motor vehicle or trailer with liveable space.

Motorhome – A motorized vehicle that has a liveable area (equipped with a sleeping area, kitchen and bathroom).

Camper Van – The smallest variation of a motorhome, otherwise known as a Class B motorhome.

Recreational Trailer – A non-motorized vehicle equipped with a living area that's hauled by a motorized vehicle, such as a slide-on camper unit, travel, camper or cabin trailer, fifthwheel or tent trailer. Now that you have an idea of what each of these terms are, let's dive into some insurance questions you may have for your type of RV.

Is RV insurance the same as car insurance?

Yes — just like how car insurance works, motorhomes and camper vans require mandatory coverage, as required by law in your province. Depending on where you live, mandatory coverage will vary but will always include liability coverage. If you're looking to protect your vehicle against any physical damage, adding enhanced coverage to your policy is ideal. You can purchase:

• Collision or Upset:  Covers damage to your RV/motorhome caused by a traffic collision with another vehicle/object.
• Specified Perils:  Covers damage from only certain risks outlined in your policy (e.g., fire, hail, theft, etc.).
• Comprehensive coverage:  Covers damage from all potential risks outlined in your policy, excluding Collision or Upset.
• All Perils coverage:  Covers damage from a collision and all the potential risks outlined in your policy.

By opting into one or more of these coverage options, you'll help protect your investment from theft or other covered losses.

A recreational trailer, on the other hand, is a bit different than car insurance. Because these trailers are motorless and are typically attached and towed by your own vehicle, it isn't mandatory to insure it. However, consider your investment and the elevated risk of loss or damage to your recreational trailer. You'll probably agree that it's a good idea to add some form of coverage to provide financial protection should something happen. Like a motorhome, you'll have the option to add enhanced coverage options (mentioned above). Additionally, you can also add liability coverage. This will help cover situations where the trailer becomes detached from the vehicle towing it and causes property damage or injury to a third party.

If you already have an existing car insurance policy with TD Insurance, you can add your RV to your policy as an additional vehicle. If you're new to TD Insurance, you can either purchase RV insurance separately, or switch your car and/or home insurance to TD Insurance which can help you qualify for additional savings.

Is insurance treated the same for all motorhomes?

Motorhomes can be separated into three types: Class A, Class B and Class C. Although each class represents a slightly different variation of motorhome, they're all classified as motorized vehicles, so insurance will typically be treated the same for all. While insurance may be the same, licensing can be different. So, it's important that the driver of the motorhome has the required license to operate that vehicle.

If you need more clarification on the different classes of motorhomes, check out the  Canadian Recreational Vehicle Association's explanation  on the differences between Class A, Class B and Class C motorhomes. You'll find an in-depth look at each type and see which class best suits you.

What types of RV/motorhome insurance does TD Insurance offer?

Since you're legally required to have insurance on your motorhome to drive on public roads in Canada, TD Insurance offers the mandatory protection you'll need (varies by province). And, if you're looking for added protection, we also offer enhanced coverage options (listed above). By opting into any of these add-ons, you can increase your protection to cover losses caused by certain hazards and even protect your motorhome from damage caused by a traffic collision.

A unique offering we recommend is our  Grand Touring Solution for Motorhomes and Recreational Trailers . This optional coverage, if added on, will complement your motorhome or recreational trailer insurance policy. It provides coverage, up to a specified limit and/or is subject to certain conditions, for the following items:

• Loss of use (This coverage provides a replacement vehicle, and/or covers additional transportation costs incurred while your RV is being repaired or replaced following a covered loss.)
• Loss of use extension (Covers additional travel expenses that you may incur while your RV is being repaired or replaced following a covered loss, such as meals and accommodations.)
• Legal liability for non-owned motorhome and recreational trailer (This is useful if you rent an RV.)
• Contents permanently kept in your RV
• A clause that waives your coverage's deductible, if applicable, in the case of a total loss or hit-and-run (Certain conditions apply.)
• Emergency Roadside Service (If your RV becomes disabled; you may be reimbursed for towing and other emergency road service expenses.)

Does my motorhome need to be insured all year round?

Although RVs and motorhomes are typically used during the warmer months, it's important that your RV is insured all year long. From theft to damage, lots of unpredictable things can happen to your motorhome at any time. That's why at TD Insurance, we offer 12-month policies so that you can ensure your RV is protected throughout the year, whether you're on the road or parked in a lot.

How does insurance work if I tow a car behind my motorhome?

If you’re towing a car behind your motorhome, it’s important to ensure that your car is completely insured before attempting to tow it. If anything were to happen while you were travelling from point A to point B, your insurer would treat your motorhome and car separately. For example, let’s say your car was to detach from your motorhome while driving and your car hit a tree. In this instance, your car’s insurance will kick in to cover any damages, not your motorhome insurance.

Before you get into gear, it's important to make sure your RV is covered in case anything happens on the road. From fender benders to theft or even damages from extreme weather, the right coverage will help make your trip a memorable one for all the right reasons. Connect with someone at TD Insurance so we can walk you through your options. Call  1-866-361-2311  for a quote.

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The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought. In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence. Please speak to an Advisor or consult your policy wordings for further details.

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Better Coverage that Travels with you

Travel trailers, campers & utility trailers.

• most cabin trailers, home trailers or tent trailers
• other trailers designed for pleasure use (e.g., boat trailer, utility trailer).

Savings Opportunities

For recreational vehicles other than motor homes we do not provide discounts but rather focus on providing competitive rates for this entire category of vehicle.

When you already have an existing automobile policy with Anthony Insurance through Novex Insurance Company you will pay no policy fee and be eligible for interest-free monthly bank deductions.

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Information to have on hand when getting a quote

To get an auto insurance quote, you’ll need the following information for you and any other drivers you want to insure:

• The date you want your insurance to start
• Information about all the vehicles you want to insure (year, make, model, odometer reading)
• Current auto insurance provider
• Information on driving violations for each driver(number and type)
• Information on past claims for each driver (number and type)

To get a home insurance quote, you'll need the following information about your property:

• Year of construction
• Type of exterior siding (brick, stone, vinyl, aluminum)
• Main heating source (electricity, gas, dual energy)
• Other heating source (fireplace, wood-burning stove, electric space heater)
• Total ground floor area
• If there is a fire station within 8 km of your home
• If there is a fire hydrant within 300 metres of your home
• Year the roofing material was last fully replaced

Information to have on hand when getting a tenant insurance quote

To get a tenant insurance quote, you'll need the following information about your unit:

General information

• Number of apartments in the building
• Type of business in the building, if applicable
• Floor you live on
• Breed of any dogs
• Amount of insurance for your belongings
• Current insurance provider, if applicable
• Security system in your unit, if applicable

Insurance history

• Number of home insurance losses in the past 7  years
• Description of the losses (location, claim, type of loss, year)

If you qualify to buy your tenant insurance online, you will also need the following information:

• Payment method (pre-authorized debit or credit card)
• Banking information depending on your payment method

Information to have on hand when getting a condo insurance quote

To get a condo insurance quote, you'll need the following information about your property:

• Type of mortgage lender
• Number of units in the building
• Security system in your condo unit, if applicable

Insurance history 

• Number of home insurance losses in the past 7 years

If you qualify to buy your condo insurance online, you will also need the following information:

• Name and contact information for your mortgage lender

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Compare auto insurance quotes in Newfoundland and Labrador — and just see what you can do with the savings!

In Newfoundland and Labrador, auto insurance is available from a wide array of private companies who compete with one another to allow consumers to shop around for a better rate. As an independent broker, Munn Insurance can provide you with quotes from up to eight insurance companies. By calling Munn, or going online for a quote, customers in Newfoundland can easily compare car insurance rates and find the best car insurance and save on their auto insurance premiums.

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Customers love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our customers with choices to provide the best coverage at the best rate. Some of the insurance companies we search for our customers include:

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We work for you – that’s what an insurance broker does. We shop the market on your behalf, so Munn insurance can offer you the most access to the best discounts from our insurance partners.

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Combine your home and car policies and save.

With Munn Insurance, home and auto policies are better together. It means extra savings and additional coverage.  So combine them both and receive a discount on both. That’s like a double discount!

Combining also gives you the extra convenience of aligned renewal rates and less paperwork.

You can combine your auto policy with any Munn Insurance home policy for the following dwelling types:

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We recognize the value groups provide to Newfoundland communities. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across the Island. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Newfoundland are able to take advantage of special discounts and many extra-valuable benefits.

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Car insurance laws in Newfoundland.

Newfoundland and Labrador drivers must be in possession of legally determined minimum insurance coverage to drive on our roads. These minimum limits have been enacted to ensure drivers are financially responsible if an at-fault accident occurs.

Current limits for auto insurance in Newfoundland are:

• $200,000 in liability coverage per accident
• Uninsured and unidentified motorist coverage

Newfoundland drivers are not required to carry accident benefits coverage, although most do choose to buy this coverage, which includes coverage for medical payments, disability coverage, and death benefits coverage. This type of insurance is mandatory in other provinces. Many drivers in Newfoundland also opt to increase their liability coverage to limit risk and financial exposure.

There are also other optional coverages that can be purchased. These include comprehensive and collision coverage to protect in the event of an at-fault accident or non-accident scenario such as theft.

Newfoundland car insurance – your questions answered.

How is fault determined by insurance companies in Newfoundland and Labrador?

In Newfoundland, the adjusters for the insurance companies involved in the claim will determine who is at fault. Each insurance company uses its own guidelines to come up with a fault determination.

Newfoundland is unusual in Canada in that it has no type of no-fault benefits. The insurance company for the at-fault driver is responsible for paying out on damages to the other driver’s vehicle as well as for injuries. Accident benefits are not a mandatory coverage in Newfoundland but are available to drivers who choose to add them to their insurance policy.

The handling of claims is governed by insurance regulations; the 2004 reforms helped to reduce the cost of lawsuits, but drivers can still be sued for pain and suffering.

What insurance system does Newfoundland and Labrador adhere to?

Newfoundland and Labrador operates under the tort system. This lets you sue an at-fault driver for your pain and suffering, wage losses, and other damages related to an accident.

In Newfoundland and Labrador, what are the penalties for driving without auto insurance?

If you’re convicted of driving without insurance in Newfoundland and Labrador, you’ll have to pay a fine that ranges from $2,000 to $4,000 for your first offence. The fine increases to a range of $3,000 to $5,000 for second and subsequent offences. And there are other penalties that may accompany your fine. If you’re charged for driving without insurance in Newfoundland and Labrador, you may also have your driver’s license suspended and your vehicle impounded for 90 days.

Is auto insurance mandatory in Newfoundland and Labrador?

Yes. The law requires motorists to carry insurance on their vehicle.

What can I do to find cheap auto insurance in Newfoundland and Labrador?

There are many ways to get cheap auto insurance in Newfoundland and Labrador:

• Work with an independent broker who can help you find the best policy
• Always pay your premiums on time
• Choose a vehicle with less susceptibility to theft
• Choose a vehicle with more safety and security features
• Maintain a good driving history
• Obey the rules of the road and avoid speeding tickets
• Understand and choose the right type of insurance coverage
• Shop around for the best policy

Newfoundland and Labrador’s auto insurance rates are low. Why?

Auto insurance rates in Newfoundland and Labrador are on the lower side of the spectrum thanks, in large part, to the reforms enacted by the government in 2004. These auto insurance reforms helped reduce rates across the province. But according to the Insurance Bureau of Canada, additional reforms are necessary to maintain rate stability. Problems that allow for large pain and suffering awards for relatively minor injuries continue to exist in the province’s auto insurance system.

How do auto insurance rates in Newfoundland and Labrador compare to other provinces?

Newfoundland and Labrador auto insurance premiums fall in the lower half of the national rate spectrum.

• Ontario $1445
• British Columbia $1680
• Alberta $1251
• Manitoba $1080
• North West Territories $978
• Nunavut $963
• Nova Scotia $847
• Saskatchewan $936
• New Brunswick $819
• Prince Edward Island $796
• Quebec $661

Source: Insurance Bureau of Canada, 2017 and 2016 for Quebec

What are the factors used to determine auto insurance rates in Newfoundland and Labrador?

Auto insurance rates in Newfoundland and Labrador are determined by a variety of factors:

• Your driving record
• The type and age of your car
• Your insurance claims record
• Your annual mileage and territory of use
• How you use your car (personal or business)
• Whether or not any other drivers in the household use your car

The 2004 auto insurance reform prevents auto insurance companies from denying coverage or increasing rates solely on the basis of any of these factors:

• Age and gender
• Age of the vehicle
• Accidents in which you were not at fault
• Lapses in insurance except when tied to a license suspension for a violation of traffic laws
• Previously being refused insurance by another company
• Being insured with Facility Association

In Newfoundland and Labrador, who determines auto insurance rates?

In Newfoundland and Labrador, individual insurers set auto insurance rates, which are then regulated and approved by the Newfoundland and Labrador Board of Commissioners of Public Utilities. Among the top factors that go into determining your rate are your driving record including tickets or at-fault accidents, the value of the car you drive as well as the make and model, and your driving habits including the length of your daily commute.

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As one of atlantic canada’s largest independent brokers, we work for you – not the insurance company. so we always have your best interests at heart. that’s why we will shop around to find you the best insurance at the best price., our latest advice, decoding commercial insurance: 20 essential terms for small to medium-sized business owners.

Navigating the world of commercial insurance can be overwhelming, but understanding key terms is crucial for safeguarding your small to medium-sized business. Here are 20 essential terms explained in plain language:

• General Liability: Coverage protecting against claims for injuries, property damage, or personal injury caused by your business.
• Property Insurance: Protection for your physical assets (buildings, equipment, inventory) against losses from events like fires, theft, or natural disasters.
• Business Interruption Insurance: Coverage for lost income and additional expenses if your business can’t operate due to a covered event, facilitating a quicker recovery.
• Professional Liability (Errors and Omissions): Safeguard for service-based businesses, covering claims of mistakes or negligence in professional services.
• Workers’ Compensation: Insurance providing medical benefits and wage replacement for employees injured or sick on the job.
• Commercial Auto Insurance: Protection for business vehicles, covering accidents, injuries, and property damage during business operations.
• Cyber Insurance: Coverage against cyber threats, including data breaches or cyberattacks, covering costs like legal fees and data recovery.
• Deductible: The amount you pay out of pocket before insurance coverage kicks in. Higher deductibles often mean lower premiums.
• Premium: The cost of insurance, paid regularly. Premiums vary based on coverage, deductibles, and other factors.
• Claim: A request made to an insurance company for payment or reimbursement due to a covered loss.
• Policy Limit: The maximum amount an insurance policy will pay for a covered loss. It’s crucial to ensure limits align with your business needs.
• Underwriting: The process insurers use to evaluate risks and determine coverage eligibility and premium rates.
• Exclusion: Specific risks or circumstances not covered by an insurance policy. Review exclusions to understand potential gaps in coverage.
• Endorsement: An amendment or addition to an insurance policy, altering or expanding coverage.
• Risk Management: Strategies and practices to identify, assess, and mitigate potential risks to your business.
• Aggregate Limit: The maximum amount an insurer will pay for all covered losses during a policy period.
• Peril: A specific event or cause of loss, such as fire, theft, or natural disaster.
• Umbrella Insurance: Additional liability coverage that extends beyond the limits of underlying policies.
• Indemnity: The principle of restoring a policyholder to the same financial position before a covered loss occurred.
• Broker: A professional who helps businesses navigate the insurance market, providing advice and securing appropriate coverage.

Understanding these terms empowers small to medium-sized business owners to make informed decisions about their insurance needs. It’s like having a toolkit to ensure your business is well-protected, allowing you to focus on what you do best—running a successful business.

We have extensive experience insuring all types of businesses, from small one person operations to much more complex enterprises.  We can help make sure you get the right coverage at the best price.  If you have any questions, call the insurance experts at Munn Insurance at 1-855-726-8627 .  We’d be happy to help.

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Cheapest RV Insurance in Florida: How to Get the Lowest Rates

• By RV/Boat/Motorcycle
• August 30, 2024

Finding the cheapest RV insurance in Florida can be a challenge, but with the right strategies, you can secure quality coverage at an affordable rate. Whether you’re a full-time RVer or use your recreational vehicle for seasonal road trips, getting the best deal on insurance is essential to protecting your investment while keeping costs down. In this guide, we’ll explore what RV insurance covers and why it’s important, as well as provide practical tips for obtaining the cheapest RV insurance in Florida.

What Is RV Insurance and Why Is It Necessary?

RV insurance functions like auto insurance, but it’s specifically designed to address the specific risks associated with owning and operating a recreational vehicle. In Florida, having insurance on your RV is required by law if you drive it on public roads. Even if your RV is parked or used only occasionally, insurance provides crucial protection against accidents, theft, and damage caused by storms or other natural events. A standard RV insurance policy typically includes the following:

• Liability coverage : Covers costs if you damage property or injure someone in an accident.
• Collision coverage : Pays for repairing your RV after an accident.
• Comprehensive coverage : Protects against damage from theft, vandalism, or weather.
• Personal property coverage : Covers belongings inside your RV.
• Uninsured/underinsured motorist coverage : Offers protection if you’re involved in an accident with a driver who lacks adequate insurance.

Given the potential risks on Florida’s roads and the impact of extreme weather events, having adequate RV insurance is not only a legal necessity but also a smart way to safeguard your financial well-being.

How to Get the Cheapest RV Insurance in Florida

Securing the cheapest RV insurance in Florida doesn’t mean sacrificing coverage. By adopting some effective strategies, you can reduce your premiums while still maintaining essential protection for your recreational vehicle. Here’s how you can get the lowest rates without compromising on the coverage you need.

• Compare Quotes from Multiple Providers

One of the most effective ways to get the cheapest RV insurance in Florida is to shop around and compare quotes from different insurance companies. Rates can differ widely depending on the insurer, so getting at least three to five quotes will give you a clear picture of what’s available. Make sure you’re comparing similar coverage levels to ensure you’re getting the best deal for the same protection.

• Consider Bundling Your Insurance Policies

If you already have auto, home, or boat insurance, check with your current insurer to see if they offer discounts for bundling your policies. Many companies provide multi-policy discounts, which can help reduce the cost of your RV insurance in Florida.

• Adjust Your Coverage to Match Your Needs

While it’s important to maintain enough coverage, you may be able to reduce costs by tailoring your policy to your specific needs. For instance, if your RV is older and has depreciated in value, consider lowering or even dropping comprehensive and collision coverage. Additionally, if you only use your RV seasonally, some insurers offer lay-up policies that allow you to suspend certain coverages during the months when your RV is not in use.

• Increase Your Deductible

Raising your deductible—the amount you pay out-of-pocket when you file a claim—can significantly lower your premium. Opting for a higher deductible is one of the simplest ways to reduce your insurance costs while still maintaining the coverage you need.

• Maintain a Clean Driving Record

Having a clean driving record is critical for securing the cheapest RV insurance in Florida. Insurers offer lower rates to safe drivers, so staying accident-free and avoiding traffic violations can help decrease your costs.

• Ask About Discounts

Insurance companies frequently offer various discounts that can help you secure the cheapest RV insurance in Florida. Be sure to inquire with your insurer about available discounts, such as:

• Safe driver discounts for keeping a clean driving record.
• Anti-theft discounts for installing security devices on your RV.
• Good Sam, AARP, or military discounts if you’re a member of specific organizations.
• Claims free discounts if you have a history of not filing insurance claims.
• Homeowner discounts are available if you own a home or another property.
• Pay Annually

Paying your insurance premium annually, rather than in monthly installments, can often save you money. Some insurers offer a discount for paying in full upfront, which can make a noticeable difference when you’re searching for the cheapest RV insurance in Florida.

• Consider Your RV Usage

How often and where you use your RV can impact your rates. If you only use your RV a few times a year, or if you don’t travel long distances, ask your insurance provider about adjusting your policy to reflect your limited use. Some companies offer mileage-based discounts, which can help lower your premium.

• Review Your Coverage Annually

As your RV ages or your usage changes, it’s a good idea to review your insurance policy annually. Adjusting your coverage to fit your current situation can help ensure you’re not overpaying and that you’re still getting the cheapest RV insurance in Florida possible.

Frequently Asked Questions

How much does RV insurance cost?

RV insurance costs between $500 and $1,500 per year, depending on factors like the size and type of your RV, how often you use it, and the level of coverage you choose. Monthly premiums usually fall between $15 and $50 for a travel trailer, while a Class A motorhome can cost between $50 and $200 per month due to its larger size and increased coverage needs.

Are there any exclusions to RV insurance coverage?

Like any insurance policy, RV insurance comes with exclusions. Common exclusions include damage due to wear and tear, mold, or certain natural disasters like earthquakes unless specified. Always read your policy carefully to understand what is and isn’t covered.

Is RV insurance cheaper than car insurance?

Yes, RV insurance is often cheaper than car insurance because RVs are usually driven less frequently than cars, which reduces the overall risk and cost for insurers. Additionally, RVs are typically parked for extended periods, especially during the off-season, which can further reduce premiums. However, the cost can vary depending on the type of RV, its usage, and whether it’s used as a primary residence or for recreational purposes.

The Bottom Line

Finding the cheapest RV insurance in Florida requires a combination of smart shopping, understanding your coverage needs, and taking advantage of discounts. At Boyd Insurance & Investments, we help RV owners in Florida secure affordable and comprehensive insurance that fits their lifestyle. Whether you’re a full-time RVer or only hit the road occasionally, our team can guide you to the best insurance options at the lowest rates. To get a personalized quote or learn more about how we can help you save on RV insurance, call us now !

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Boyd Insurance & Investments is a full-service financial protection agency specializing in insurance and investment solutions. With a steadfast commitment to our clients’ well-being, we strive to provide comprehensive coverage that safeguards their assets, businesses, and futures.

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