Recreational Vehicle Insurance2025-04-03T06:16:38-04:00

Recreational Vehicle
Insurance

Recreational Vehicle Insurance

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Save up to 37% with Fearnow Insurance

Recreational Vehicles (RV) are perfect for family vacations or a fun retirement alternative.  However you choose to use your RV, it is important to make sure that it and your belongings inside are well protected.  Recreational Vehicle insurance is the perfect solution to all of your concerns.

What Does RV Insurance Cover?
Overall, coverage will depend on the type of policy and limits you select.  RV insurance coverage options include liability, collision, comprehensive and more.

What Our Customers Say

Joseph and Kayla went above and beyond to find the best rates for home and auto insurance. They stayed in constant communication and made the process very easy. 10/10 recommend Fearnow insurance!
Steven
22:32 11 Sep 25
Helped me find good policies in my budget.Madrianne was very helpful,kind and so easy to work with.... She is GREAT !!
Eric Hopkins
14:49 09 Sep 25
Jean Rodriguez with Fearnow Insurance has been such a blessing for Catholic Youth Soccer, Inc. Since we became a federally recognized nonprofit, she has been fully committed to making sure we are properly protected. Jean’s customer service is amazing—she is attentive, knowledgeable, and always goes the extra mile.Thanks to Jean’s support, CYS has the peace of mind to focus on serving families in our community through faith-based youth soccer. I highly recommend Jean and Fearnow Insurance!CYS is a huge fan of Jean's!!!!!!!
Patrick Poland
20:49 05 Sep 25
Jean Rodriguez, went above and beyond to help me out with my policy . I have a health situation, and she resolved the issue. I appreciate the fact that she kept me informed, and cares about her Clients. Thank you!
Manuel Campoamor III
20:48 05 Sep 25
Lydia in auto and Joe in Life insurance are fantastic ! Excellent customer service , quick responses to inquiries, above and beyond enthusiasm and attention to detail. Highly recommend this Insurance agency.
Grace Rhymes
17:36 04 Sep 25
Joseph was great to work with. He was knowledgeable, communicative, and answered all my questions! He also saved me and my family hundreds of dollars while still keeping great insurance on two vehicles. Good bye Geico! Thank you Fearnow team!
Lorenzo Laporte
21:46 03 Sep 25
I had a great pleasure to work with Joe. Answered to all my questions (I had a lot) and found the best price for my home insurance. Would recommend to check these guys when you are renewing your policy
Andy S
20:34 03 Sep 25
Mr. Joseph was very professional and knows what he is doing.He is very knowledgeable about the needs of the customers and takes time to explain for your understanding.He is very quick in responding to emails and questions.Thank you for your assistance.
Daniel Otu-Jireh
18:38 01 Sep 25
Love dealing with Fearnow, they take care of all my insurance needs. Thank you Joe!
Garrett Norris
18:08 29 Aug 25
I would give our agent, Jean Rodriguez at 5 Stars for sure! She is very knowledgeable about our coverage and always very helpful in answering questions when I have them. She is quick to respond to phone calls and emails! Would highly recommend her for your insurance needs!
Christina Wyant
19:03 28 Aug 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Types of Recreational Vehicles Covered

  • Motorhomes
  • 5th Wheels
  • Travel Trailers
  • Truck Campers
  • Teardrop Campers
  • Popup Campers
  • Toterhomes
  • Toy Haulers
  • Truck Conversions
  • Park Models
  • Hybrid Trailers

Liability Coverage for RVs
If you drive your RV, rather than towing it, Florida law requires that you have Liability insurance on the RV.  The Florida state minimum requirement for liability coverage on a drivable RV are:

  • $10,000 in bodily injury liability per accident for one person
  • $20,000 in bodily injury liability per accident for all persons
  • $10,000 in property damage liability per accident

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

Additional liability coverage can be purchased for drivable RVs and is available for other types of recreational vehicles.  This type of coverage helps to cover the costs of accident-related expenses, including vehicle damage and personal injury.

Collision Coverage for RVs:  Collision insurance covers damages to your RV in the event of an accident with another vehicle, regardless of fault.  Collision coverage also covers you in the event your RV rolls over.  Also, if you are financing your RV, your lender may require you to purchase this insurance.

Comprehensive Coverage for RVs:  Comprehensive insurance covers non-collision damage to your RV from events such as vandalism, theft, falling objects, fire, storms or other weather-related events, and collisions with an animal.

Medical Payments Coverage for RVs:  Medical payments coverage allows for additional coverage to bodily injury payments for the medical costs incurred by you or your passengers, no matter which party is at fault for the accident.

Under-Insured or Uninsured Coverage for RVs:  Florida is one of the worst states for uninsured motorists, so it is important to consider coverage in the event that you are involved in an accident with such a driver.  Uninsured Motorist coverage will help to cover the damage to your RV if the other driver does not have insurance while Under-insured Motorist coverage helps to bridge the gap in expenses if the other driver does not have enough coverage for your repairs (or replacement RV).

Roadside Assistance for RVs:  The Roadside Assistance Program can help RV owners with flat tires, jump starts, or towing.  This program may include or allow for an add-on coverage for trip interruption expenses you incur (such as a place to stay or meals) if you break down over 50 miles away from home.

Towing and Labor Coverage for RVs:  Similar to Roadside Assistance, Towing and Labor coverage can help with towing and labor costs as well as trip interruption expenses.

RV Awning Replacement:  Coverage for the replacement and installation of a damaged awning.

Vacation Liability for RVs:  It is common for an RV to be used as a temporary residence while on vacation.  If someone is injured while in your RV or on your rented lot, this coverage provides protection from liability.  This type of coverage can also protect from other damages incurred while on vacation with your RV.

RV Safety Glass Replacement:  If your windshield becomes damaged and needs replacing, this coverage option will cover yours costs.

RV Coverage for Replacement Cost and Scheduled Personal Effects:  This coverage is available for both pleasure-use RVs and permanent resident RV use.  This type of coverage pays the replacement costs of lost, damaged, or stolen items from the RV in order to reduce your need to file a homeowner/renter insurance claim.

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Service Type: Renters Insurance

Price: $$

Currency: USD