Florida RV & Recreational — motorhomes, bikes, everything off-pavement.

It depends on the RV type. Motorized RVs (Class A, B, and C motorhomes) are registered vehicles in Florida and must carry the state minimum auto liability — $10,000 PIP and $10,000 PDL — just like any Florida car.

Towable RVs (travel trailers, fifth wheels, pop-ups, toy haulers) are not self-propelled and do not require their own liability policy; coverage flows from the tow vehicle's auto policy during towing. However, lenders on financed RVs always require comprehensive and collision, and most Florida RV parks require liability coverage before renting a site.

Florida RV insurance varies widely by type. A Class A motorhome typically runs $1,200 to $2,400 per year. Class B camper vans run $800 to $1,500. Class C motorhomes run $900 to $1,800. Travel trailers and fifth wheels run $300 to $700 per year. Pop-up campers and small trailers can be as low as $100 to $250.

Rates depend heavily on RV value, age, use (full-time vs seasonal), storage location, driving record, and whether the policy includes full-timer or vacation coverage.

Florida is unique in that it does not require motorcycle insurance to legally ride. However, if a Florida motorcyclist causes an accident, they must prove financial responsibility — meaning if they don't have liability insurance, they'll be required to post bodily injury ($10,000/$20,000) and property damage ($10,000) coverage after the fact, often through an SR-22 or bond, or lose their license.

Financed motorcycles always require full coverage. Core 4 strongly recommends voluntary liability coverage for every Florida rider — the premium is small compared to the financial exposure of an uninsured accident. And motorcycles are excluded from Florida PIP, so Med-Pay coverage is important.

Core 4 quotes insurance for every recreational vehicle type in Florida: Class A motorhomes (the large bus-style RVs), Class B camper vans, Class C motorhomes (with over-cab sleeping area), travel trailers, fifth wheels, toy haulers, pop-up campers, teardrop trailers, horse trailers with living quarters, motorcycles (cruiser, sport, touring, trikes), ATVs, UTVs (side-by-sides), golf carts, and scooters / mopeds.

Classic and vintage RVs or motorcycles go through Hagerty with agreed-value coverage.

Full-timer RV insurance is a specialty form for people who live in their RV full-time — typically six months or more per year. It combines RV coverage with homeowners-like features: personal property coverage for belongings inside the RV, personal liability when parked at a site, loss of use if the RV becomes uninhabitable, and medical payments to guests.

Full-timer coverage is significantly different from vacation or weekend-use RV policies, and getting the classification wrong can mean a denied claim. Core 4 asks about use pattern during every RV quote.

Yes — a Florida RV insurance policy with comprehensive coverage covers hurricane wind, wind-driven rain, falling objects, hail, and flood damage to the RV from a named storm.

Some Florida RV policies apply a hurricane or named-storm deductible separately from the standard comprehensive deductible. Travel trailers and fifth wheels stored in Florida during hurricane season should have comprehensive coverage — relying on the tow vehicle's auto policy alone usually does not cover the trailer.

Florida does not require insurance for ATVs, UTVs, or side-by-sides that are used only on private property. If the ATV or UTV is driven on public roads (some counties allow this) or at a public trail system, liability coverage is typically required.

Homeowners policies often exclude ATV and UTV damage once the vehicle leaves the insured's property — meaning a crash at a trail ride is uncovered without a dedicated policy. Core 4 quotes dedicated ATV and UTV policies through Progressive, Dairyland, Foremost, and specialty markets.

Yes. Florida has more golf-cart communities than any other state — The Villages alone has tens of thousands. Homeowners policies sometimes provide limited liability for golf carts on the insured's own property, but cover nothing off-premises.

A dedicated Florida golf cart policy runs $100 to $250 a year and includes liability, collision, comprehensive, and medical payments for carts used in golf-cart communities, at courses, or on low-speed roadways. Core 4 writes golf-cart policies through specialty markets.

Partially. A Florida auto policy extends liability coverage to a travel trailer or fifth wheel while being towed by the insured vehicle — if the trailer causes property damage or injury during towing, the auto liability applies.

However, the auto policy does NOT cover: physical damage to the trailer itself, theft of the trailer, contents inside the trailer, or any loss while the trailer is detached and parked. A dedicated travel trailer policy is required for comprehensive and collision on the trailer.

Yes — classic and vintage motorcycles and RVs are written through Hagerty (Core 4 is appointed), with agreed-value coverage, limited-use discounts, spare-parts coverage, and specialty underwriting that values condition and rarity rather than depreciation.

Hagerty writes pre-1975 motorcycles, restored Harleys and Indians, vintage Airstreams, and classic motorhomes that standard carriers won't touch.

RV roadside assistance covers on-the-road breakdowns — towing to the nearest qualified repair facility, tire changes, jump-starts, fuel delivery, lockout service, and in some policies, trip interruption reimbursement if the RV is disabled more than 100 miles from home.

Specialty RV roadside (Good Sam, Coach-Net, FMCA) is often better than standard auto roadside because they send tow trucks rated for 20,000+ lb vehicles. Core 4 quotes the policy roadside and the standalone memberships and recommends the combination that fits each RV.

Sí — todo el equipo de Core 4 es completamente bilingüe. Los dueños de RVs, motocicletas, ATVs, UTVs, y carritos de golf en Florida pueden obtener cotizaciones, entender la cobertura para viajeros de tiempo completo, y firmar la póliza completamente en español.

Por teléfono, en persona en la oficina de Miramar, o en línea. Llame al (954) 420-1501.