Motorhome Insurance in Florida: Are Your Belongings Covered?

By RAMCO Insurance Agency | Protecting Your RV Lifestyle

🚐 Your RV Is More Than a Vehicle — It’s Your Home on Wheels

Whether you’re exploring Florida’s Gulf Coast or camping in the Keys, your motorhome is more than just transportation — it’s where you eat, sleep, relax, and store the things that matter to you.

That’s why it’s important to ask:
“Does my RV insurance cover the personal belongings inside?”

At RAMCO Insurance, we help RV and motorhome owners across Florida make sure their entire lifestyle is protected, not just the vehicle itself.

🛡️ What Standard Motorhome Insurance Covers

Most basic RV insurance policies include:

Liability coverage – Protects you if you’re at fault in an accident.
Collision coverage – Covers damage to your RV from a crash.
Comprehensive coverage – Covers events like theft, vandalism, storms, or fire.

However, these coverages mainly apply to the vehicle itself, not necessarily what’s inside — and that’s where many RV owners are caught off guard.

📦 Are Your Personal Belongings Inside the RV Covered?

It depends on your policy.

Standard motorhome insurance may offer limited coverage for personal property, but it’s usually capped at a certain amount (often $1,000 to $5,000). That might not be enough to replace your:

Electronics (TVs, laptops, cameras)
Kitchen appliances
Clothing
Camping gear
Tools and supplies
Sporting equipment

If you travel full-time or carry high-value items, you’ll want to ensure your contents coverage matches your lifestyle.

🧠 How to Fully Protect the Inside of Your Motorhome

Here are three smart ways to make sure your belongings are properly covered:

✅ 1. Add Personal Effects Coverage

Many insurers offer optional add-ons that increase the limits for personal property inside your RV. This is often called “personal effects coverage” or “contents coverage,” and it’s designed specifically for people who treat their RV like a second home.

✅ 2. Bundle with Your Homeowners or Renters Insurance

If you only use your RV part-time and it’s parked on your property, some homeowners or renters policies may extend limited protection to items stored inside. However, this coverage may not apply when you’re traveling or parked elsewhere — so read the fine print.

✅ 3. Create a Home Inventory

List the valuables in your RV, take photos, and estimate replacement costs. This will help you:

Choose the right amount of coverage
File a faster, smoother claim if needed

💡 Florida Tip: If you live in your RV full-time, you may need full-timer RV insurance, which works more like a homeowners policy — offering broader protection for personal property and liability.

🔒 What Isn’t Covered?

Most motorhome policies exclude certain types of losses, such as:
🚫 Normal wear and tear
🚫 Theft of unattached trailers or vehicles
🚫 Items not permanently kept in the RV
🚫 Belongings used for business purposes (unless declared)

📍 Why It Matters in Florida

Florida RVers face unique risks — from hurricanes and flooding to theft in high-traffic campgrounds. If your RV is damaged or broken into, you don’t want to find out too late that your belongings weren’t covered.

That’s why at RAMCO, we review your lifestyle, usage, and travel habits to tailor a policy that protects you, your vehicle, and your valuables.

🛠️ RAMCO Insurance Makes It Easy

As Florida-based insurance experts, we’ll help you:

Compare top RV insurance providers
Add or increase personal property coverage
Bundle coverage for your RV, car, and home
Understand exclusions and deductibles

Whether you’re a weekend warrior or a full-time traveler, RAMCO has your back on the road.

📞 Ready to Get the Right Coverage for Your Motorhome?

Let’s talk about your RV insurance needs — and make sure you’re covered inside and out.

📍 Serving all of Florida
📧 info@ramcoinsurance.com
📞 (305) 820-0350
🌐 Request a Free Quote at ramcoinsurance.com