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Lake City, FL1-800-252-6885
Greene & Associates Insurance
Motorcycle and RV adventure in Florida

Motorcycle, RV & Off-Road Insurance

Comprehensive coverage for motorcycles, RVs, ATVs, and off-road vehicles in Florida. Protect your ride with Greene & Associates.

Get Your Free Quote 1-800-252-6885

Florida Motorcycle & RV Insurance at a Glance

  • Florida does not require motorcycle insurance by law, but lenders and personal protection make it essential
  • RV insurance can cover your vehicle as both transportation and living space (full-timer coverage available)
  • Accessory and custom parts coverage protects aftermarket upgrades
  • We shop specialty carriers for better rates than standard auto insurers typically offer

What's Covered?

Protect your vehicle, yourself, and your passengers with comprehensive coverage.

Liability Coverage

Covers bodily injury and property damage you cause to others. Required by law in Florida for motorcycles and recommended for all vehicles.

Collision Coverage

Pays for damage to your vehicle if you collide with another vehicle or object, regardless of who's at fault.

Comprehensive Coverage

Protects against theft, vandalism, fire, weather damage, and other non-collision losses. Especially important for expensive bikes and RVs.

Accessories & Equipment

Covers custom parts, aftermarket upgrades, and equipment like saddlebags, GPS units, and specialty exhaust systems.

Roadside Assistance

Towing, fuel delivery, flat tire service, and lockout assistance. Essential for long trips and remote riding areas.

Passenger Coverage

Medical payments and liability protection for passengers on your motorcycle or in your RV.

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We shop multiple carriers to find you the best rate on motorcycle, RV, and off-road vehicle insurance.

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Vehicles We Cover

Motorcycles (sport, cruiser, touring)
Scooters and mopeds
Class A, B, and C motorhomes
Travel trailers and fifth wheels
ATVs and UTVs
Dirt bikes and off-road motorcycles
Jet skis and personal watercraft (PWC)
Golf carts and neighborhood vehicles

Florida-Specific Requirements & Considerations

Motorcycles require minimum liability coverage: $10,000 bodily injury per person, $20,000 per accident
Florida does NOT require PIP (personal injury protection) for motorcycles
Helmets are required for riders under 21, and for all riders without at least $10,000 in medical coverage
Off-road vehicles like ATVs don't require insurance if used only on private property, but coverage is highly recommended
RVs used as primary residences may qualify for homeowners-style coverage

Frequently Asked Questions

Yes, if you're riding on public roads. Florida requires minimum liability coverage of $10,000 bodily injury per person and $20,000 per accident. However, these minimums are often not enough — we recommend higher limits plus comprehensive and collision coverage to protect your investment.
No, if you're riding only on private property. But if you ride on public roads, trails, or state parks, insurance is highly recommended and may be required. Even on private land, insurance protects you from theft, damage, and liability if someone gets hurt.
It varies widely based on the type of RV, its value, how you use it, and your coverage limits. Travel trailer insurance can start as low as $200-400/year, while full-coverage Class A motorhome insurance may cost $1,000-3,000+ annually. We shop multiple carriers to find your best rate.
Motorcycle insurance is tailored to the unique risks of riding — higher injury severity, seasonal use, custom parts, and gear coverage. Rates are calculated differently, and coverages like accessory coverage and passenger liability are more important. You can't use a regular auto policy for a motorcycle.

Ready to Protect Your Ride?

Get a free quote on motorcycle, RV, or off-road vehicle insurance. We'll shop multiple carriers for the best rate.

Get Your Free Quote or call 1-800-252-6885

Related Coverage

Auto Insurance
Watercraft Insurance
Umbrella Insurance
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