Motor Home Insurance in Florida

If you own a motor home in Tallahassee, FL, you are going to be required to carry liability insurance in case you are held responsible in an accident. The rates and requirements are set the same as they are for standard auto insurance, so you'll be carrying personal injury and property damage liability.

Note that this applies specifically to motor homes. We often use terms like "camper" and "RV" loosely, referring to everything from trailers to converted buses. Legally, however, a motor home is very different from a camper.

That difference is, of course, the motor. If you like to take a trailer with you when you go camping or traveling, you are not required to carry any more insurance on that trailer than you desire. It is the car or truck pulling the trailer that invites liability, so that's what you're going to be insuring. If you're buying insurance for a non-motorized trailer, you're generally buying insurance in order to protect your property, rather than to manage the risk of liability.

It's not a bad idea to get full protection on your motor home, of course, no matter the legal requirements. Your home insurance may offer a degree of protection for the possessions inside your motor home. Still, chances are, in the event of a significant hazard, you're going to find that you're not fully covered, and you're going to be replacing a lot of your possessions out of pocket.

Whether you're a full-time motor homer or you like to take your house-on-wheels around Florida for the occasional fishing trip, you want to make sure that you are adequately protected. So, before your next adventure, get in touch with Fuqua Insurance Agency in Tallahassee, FL by phone or drop by our office, and let's see what we can do for you.