RV insurance combines elements of auto and home coverage for motorhomes and travel trailers. Infante Insurance Group works with a network of carriers to help RV owners across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore coverage options that fit how they use their vehicle — in English or Spanish.
Coverage Options
A typical RV policy addresses several areas. Liability and collision coverage function similarly to auto insurance, addressing damage and injuries connected to driving. Comprehensive coverage can help with non-collision events like theft, fire, or weather damage. Personal belongings coverage can help replace items kept inside the RV, and attached equipment coverage can address awnings, satellite dishes, or other add-ons. Full-time RV living generally requires a different policy structure than occasional recreational use, so it’s worth clarifying how you use your vehicle.
Who May Need This
This coverage is worth exploring if you own a motorhome, travel trailer, or fifth wheel registered or kept in Florida or Texas, live in your RV full-time, or use it seasonally for travel or as a winter residence — a common pattern across both states.
Where You're Covered
Florida sees a significant seasonal RV population, particularly during winter months, and Texas — with its size and central location for cross-country travel — is home to a large full-time and touring RV community as well. Whether you’re based near Miami-Dade, Orlando, Houston, or Dallas, hurricane season and storage or evacuation planning for larger vehicles are worth discussing with a licensed agent when reviewing coverage.
Need help in Spanish? We offer service in English and Spanish.
This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
Yes — full-time RV living generally requires a policy structured more like a home policy, addressing liability and personal property differently than occasional recreational use.
Often Coordinated Together