Is Your RV Insurance Ready for Winter Travel?

While Florida enjoys mild winters, many RV owners take advantage of the season to explore other states or head west for holiday adventures.

At Wiglesworth-Rindom Insurance Agency, we understand the unique needs of Florida RV enthusiasts. Before you leave, contact us to review your coverage and ensure you have appropriate RV insurance coverage.

Why Winter Travel Demands a Coverage Check

Even if you’re used to sunny skies and warm breezes, winter travel can mean navigating icy roads, freezing temperatures and unfamiliar terrain. These conditions increase the risk of accidents, mechanical issues and damage to your RV.

If you’re traveling north or into mountainous regions, your RV may face challenges like frozen pipes, snow accumulation or limited access to emergency services. That’s why it’s crucial to ensure your insurance policy is equipped for winter travel.

What to Review in Your RV Insurance Policy

Here are key coverage areas to consider before heading out:

• Liability coverage: Florida requires personal injury protection and property damage liability for motor vehicles, including motorized RVs. Bodily injury liability isn’t required for most drivers, but is commonly recommended. Your agent may recommend purchasing more than the minimum required amount to help protect your financial stability after a severe at-fault accident.
• Comprehensive coverage: This coverage can help cover non-collision damage like falling branches, hail and damage from the weight of ice or snow.
• Collision coverage: Winter driving conditions can be hazardous. Ensure your policy includes coverage for repairs if your RV is involved in an accident.
• Roadside assistance: Confirm that your policy includes towing, battery service and emergency fuel delivery, especially if you’re traveling through remote or snowy regions.
• Vacation liability: If you’re using your RV as a temporary residence during travel, this coverage can help pay third-party claims in case someone is injured at your campsite.
• Personal effects coverage: Winter travel often means packing extra gear, including jackets, electronics, sports equipment and more. This coverage can protect belongings in your RV, subject to limits and deductibles.

Let’s Review Your Policy Together

Your RV insurance should match your travel plans, whether you’re leaving the state or staying closer to home. At Wiglesworth-Rindom Insurance Agency, we’ll help you customize your coverage so you can travel with peace of mind.

Contact us to schedule a review of your winter RV insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.