One of the best ways to tour the country would be to buy and drive a motorhome. While a motorhome is often considered a recreational vehicle that is used for fun, it is also an important asset that needs to be adequately covered by insurance. For those that are in the St. Augustine, FL area, several types of coverage should be included in your motorhome insurance policy.
Minimum Legal Requirements
When you are getting insurance on your motorhome, the first thing that St. Augustine, FL area residents need to consider are the minimum legal requirements. Similar to other states, motorhome operators in Florida are required to carry a minimum level of liability insurance. In Florida, you will need to have at least $10,000 per accident in property damage protection. You will also need to carry $20,000 per accident for bodily injury coverage and $10,000 per person.
Property Damage Coverage
In the state of Florida, the amount of coverage you need to comply with the law only includes liability protection, which means you will not receive any coverage for your property. Since a motorhome is a major asset, you will likely be required under any loan you have to have additional coverage as well. If you choose to pursue a property damage coverage policy for your insurance, you will also receive coverage on your motorhome as well as insurance on your assets that are underneath the roof. This could save you a considerable amount of money if your vehicle is stolen or damaged.
If you are looking to buy a motorhome, you should reach out to the Tim Huber Insurance. Tim Huber Insurance can help you to understand your motorhome insurance needs, the state requirements better, and other factors to help you build the right policy for your situation.