Coverage for Your Home on Wheels — and All the Fun Along the Way

Your RV or recreational vehicle isn’t just transportation — it’s your ticket to adventure and comfort on the open road. But with that freedom comes unique risks. RV insurance helps protect your vehicle, your belongings, and your financial well-being, so you can focus on making memories.

Why RV Insurance Matters

Protection for Every Mile

RV insurance isn’t just for accidents — it also covers theft, vandalism, weather damage, and more. It helps cover medical expenses, liability claims, and even personal belongings inside your RV. At St. Andrews Insurance, we help you customize coverage to match your travel style and needs.

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What RV Insurance Covers

Liability Coverage

Protects you if you cause injury or property damage to others while operating your RV. It can also cover environmental cleanup costs if there’s a spill after an accident.

Physical Damage

Covers repairs or replacement if your RV is damaged by collisions, vandalism, theft, fire, or severe weather.

Personal Belongings

Protects personal effects inside your RV, including electronics, clothing, and camping gear.

Specialized Coverage Options

Awning and custom equipment protection, emergency expense coverage, total loss replacement or agreed value coverage, and coverage for full-time RV living (if your RV is your primary residence) are all important considerations when selecting comprehensive RV insurance.



Questions We Hear Most — With Answers

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A man is playing a guitar to a woman who is sitting in the grass.

  • Why do I need RV insurance?

    RVs are valuable and can cause significant damage in an accident. RV insurance helps protect you from major repair costs, liability claims, and losses to your personal belongings inside.

  • Is RV insurance required in Florida?

    Yes. Just like auto insurance, RV liability coverage is required by law in Florida. Additional coverages are strongly recommended to fully protect your investment and lifestyle.

  • What does RV insurance cover?

    Policies can include:


    • Liability protection
    • Collision and comprehensive coverage
    • Personal belongings protection
    • Specialized options for custom parts or full-time living
    • We’ll help design a policy that matches your needs and travel plans.

  • Does RV insurance cover my belongings?

    Yes — personal belongings inside your RV can be covered. We’ll help you choose limits that make sense for what you bring along on your adventures.

  • Can I bundle RV insurance with other policies?

    Absolutely. Bundling your RV insurance with your home or auto policies can save you money and simplify your coverage. We’ll review all your options.

  • Why choose St. Andrews for RV insurance?

    We know what it means to travel Florida’s roads and beyond. Our team offers personalized guidance, local expertise, and coverage that truly protects you — wherever you roam.

Local Help, Real Answers

Ready for the Road Ahead

At St. Andrews Insurance, we make RV insurance easy and reassuring. You’ll get personal guidance, clear coverage explanations, and a policy designed to keep you focused on the adventure — not the risks.

A group of people are having a picnic in front of a rv.