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Making Sure Your Motorhome Customizations are Covered

One of the reasons that people own motorhomes instead of renting them occasionally is because they want their RV to have exactly the amenities they prefer. Those can include high-end sound systems, home theaters, luxury features of various kinds, and all the high-end comforts of home such as beautiful carpets and decorations. At Americas Insurance Associates, we tell our Florida customers to talk with us about what’s special in their motorhome. That way, we can make sure the additional features beyond the standard model sold by the manufacturer can be covered.

Options, Customizations, and Costly Contents

When your RV is ordered with optional features beyond the base model, it’s important to make sure that your insurance policy reflects that. It can be an unpleasant surprise to have your vehicle stolen and your claim amount limited to what was on record. Filing paperwork, photos, and other evidence of your upgrades helps get any claim paperwork off to a good start. If your upgrades and customizations are aftermarket work, the documentation needs to be from the customizer or if you do it yourself, talk to us about how to properly make note of the added value. For the contents of the RV, the process is similar to homeowners insurance and, in some cases, could involve added coverage for high-end equipment.

Customize Your Vehicle, Customize Your Policy

Whether the answer is simply documenting your vehicle’s unique features or specifically covering them on your policy, it’s important to talk to your professional insurance team at Americas Insurance Associates. We help you maintain the right coverage on your property in Florida, as well as for liability and other important financial reasons. Let us review your coverage and help you make sure it’s what you need, carefully selected, today!

What is full-time motorhome insurance, and who needs it?

Although many think full-time motorhome coverage applies only to those who stay in their motorhome 365 days per year, the standard is 150 days per year. Unfortunately, that misconception means many motorhome owners lack the proper coverage. If this sounds like you, our team at Americas Insurance Associates, which serves Florida, is here to help and ensure you have the motorhome coverage you need.

What Is Full-Time Motorhome Insurance?

Regular or short-term motorhome insurance is like auto insurance. It offers protection if you have an accident while driving:

  • Bodily injury (BI) and property damage (PD) liability for others
  • Comprehensive and collision for your motorhome
  • Medical payment coverage for you or your passengers injured in an accident 
  • Underinsured/underinsured motorist coverage

In effect, a short-term motorhome policy covers you while on the road but does not handle losses that occur during the many days and nights the motorhome is parked. A full-time motorhome policy does that by offering coverage similar to a homeowners policy, including:

  • Vacation Liability: Bodily injury (BI) and property damage (PD) liability for others in and around your parked motorhome
  • Personal effects: Clothing, electronics, and other belongings kept in your motorhome
  • Loss Assessment: HOA fees for losses to common areas
  • Emergency Loss: Temporary lodging while the motorhome undergoes repairs
  • Adjacent Structures: carports, decks

The time to ensure you have proper insurance coverage is before you need it, so act now to confirm you have the right coverage for your motorhome.

Working With Americas Insurance Associates

Your friendly team at Americas Insurance Associates, serving Florida, is ready to address all your insurance needs, including full-time motorhome insurance. So give us a call or stop in today to ensure you and your motorhome are appropriately covered.

Do I Need Motorhome Insurance in Florida?

Yes, you need motorhome insurance in Florida. Your motorhome is a big investment, and you want to protect it adequately. Insurance can help cover the cost of repairs or replacement if your motorhome is damaged in an accident or stolen. It can also provide liability coverage if you’re found at fault for an accident that injures someone else.

Is Motorhome Insurance Required in Florida?

Yes. Florida law requires that all drivers have at least the minimum liability insurance. This includes coverage for bodily injury and property damage. If you’re found to be at fault for an accident, your liability insurance will help pay for the other person’s damages.

However, if you have a loan, your lender will probably require you to have comprehensive and collision coverage. This type of coverage will help pay to repair or replace your motorhome if it’s damaged in an accident, regardless of who is at fault. It can also help pay for repairs if weather events, theft, or vandalism damage your motorhome.

How Much Motorhome Insurance Do I Need in Florida?

The minimum liability insurance requirements in Florida can vary depending on your needs. The best way to determine coverage is to work with your Americas Insurance Associates agent. We can help you assess risks and choose the right coverage for your motorhome insurance policy.

How to Choose Motorhome Insurance in Florida

There are a few different motorhome insurance coverages, and the amount of protection you need depends on factors like the value of your motorhome and how often you use it. You can talk to your insurance agent about what type and coverage are right for you.

Give Us A Call

Contact Americas Insurance Associates today for a free quote on motorhome insurance in Florida. We can help you find the right policy to protect your investment.


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