Florida Travel Trailer Insurance

Florida is filled with travel trailer parks. Getting travel trailer insurance is easy, right? You have to be careful about the coverages your policy offers. When your travel trailer is unhooked from it’s tow vehicle there is typically no liability coverage. The companies we work with offer full comprehensive coverages for your travel trailer and they are the top carriers in Florida.


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What are the insurance requirements for a Florida travel trailer?


What other coverages are available on a Florida travel trailer insurance policy?


How can I save money on my travel trailer insurance?


 

What are the insurance requirements for a Florida travel trailer?

 

Florida does not require you to carry insurance in order to register your travel trailer. Liability insurance extends from the vehicle towing the travel trailer while it is in use on public roadways. The insurance you purchase to cover your travel trailer is mainly protection against damage to the travel trailer itself. If you have a lein on the vehicle, the leinholder will require this coverage. Many insurance companies offer this coverage, but the key to saving money is to shop around. That’s where we come in. We have the tools to shop the top companies in Florida to find you the best rate.

Damage to the vehicle is covered by:

  • Comprehensive: This covers your travel trailer in the event it is damaged outside of an accident or collision. This would include perils like storm damage, vandalism, or theft.
  • Collision: This covers in the event the travel trailer is damaged in a collision. This would include an accident while you are towing your travel trailer.
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What other coverages are available on a Florida travel trailer insurance policy?

  • Medical payments. Generally you can purchase up to $10,000 for medical payments coverage and this would pay for any injury related to the travel trailer.
  • Tow or labor charges. If you are locked out of your travel trailer or your travel trailer breaksdown, this coverage would reimburse you for those charges.
  • Gap coverage. If you owe more on your travel trailer than what it is worth, most Florida insurance carriers offer gap coverage to pay off the entire loan amount in the event of a total loss.
  • Vacation liability. When your travel trailer is parked and disconnected from the tow vehicle, vacation liability acts similar to a homeowners insurance policy. If you have a guest that gets injured inside the travel trailer, or while entering or exiting, your vacation liability would likely pay for these injuries.
  • Emergency Vacation Expense. This coverage pars for emergency lodging if your travel trailer is damaged under the comprehensive or collision coverage and needs to stay in the shop for repairs.
  • Full Timer’s Coverage. Some Florida travel trailer insurance companies offer extended coverage for those that make their travel trailer their full time residence.

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How can I save money on my travel trailer insurance?

  • Statewide Insurance give you access to multiple insurance carriers so you can be sure you’re getting the best rate and coverage. Our experts have access to the top Florida travel trailer insurance companies. Get a quote now!
  • 55 and over. If you are 55 or older, you could be eligible for discounts by completing an accident prevention course. For more information, call the AARP at 1-888-687-2277, or the National Safety Council at 1-800-621-7615.
  • Retired? Some Florida insurance carriers offer discounts to retirees.
  • Deductible. By carrying a higher deductible you can reduce your insurance premium. Keep in mind that if your travel trailer is damaged, this is the amount you would have to pay out of pocket before the carrier would pay.
  • Safe drivers. Many Florida companies have preferred rates for policyholders with no accidents or violations on their driving record for the three most recent prior years.
  • Age of travel trailer. As your travel trailer ages and decreases in value, it may be worth while to drop comprehensive and collision coverage. If there is not much value there, your just not going to get much from the carrier, so why pay additionally for it.
  • If you have an alarm system on your travel trailer it will save you a minimal amount on your comprehensive coverage.
  • Travel Trailer Type. Newer, more expensive travel trailers are more costly to replace or repair.
  • Territory. If you keep your travel trailer close to Florida’s coast or in a big city, you are more likely to pay much more for your insurance than someone who lives in one of the inland counties or a smaller rural area.
  • Usage. If you use your travel trailer less than 30 days a year, you will pay less for your insurance than someone using it more than 30 days a year.
  • Credit history. Your credit can make or break your travel trailer insurance rate. The better the credit, the better the rate.

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Serving all of Florida, including Tampa, St Petersburg, Orlando, Jacksonville, Miami, Tallahasse, Fort Lauderdale, Fort Myers, Cape Coral, Pembroke Pines, Dade City, Wesley Chapel, Zephyrhills

Disclaimer: This is only an example of how coverage could apply and does not represent any guarantee of coverage. This site contains general information relating to Florida travel trailer insurance and is not intended to be a substitute for the law.

 

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