Recreational Vehicle Insurance in Florida – The Marcus Group

Why RV & Recreational Vehicle Insurance Matters in South Florida

Recreational vehicles bring adventure, but they also bring risk. Whether you’re riding an ATV, cruising on a boat, or traveling in a motorhome, the cost of theft, storm damage, or accidents can be enormous. That’s why RV and off-road insurance in Florida is essential to protect your investment.


At The Marcus Group, we help South Florida families insure their recreational vehicles with policies tailored to how and where they ride.

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VEHICLE INSURANCE

What Our RV & Recreational Vehicle Insurance Covers

When you insure with The Marcus Group, coverage options can include:

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All-Terrain Vehicles (ATVs)

Coverage for quads and four-wheelers, protecting you against theft, garage damage, or off-property accidents.

Off-Road Dirt Bikes

Policies designed for recreational riders and competitive racers, including events that require coverage.

Side-by-Sides & Utility Vehicles

Insurance for side-by-sides, Jeeps, and buggies, protecting against theft and damage — even if they aren’t driven on public roads.

Boats & Watercraft

Protection for boats, jet skis, and other watercraft with options such as:



  • Medical Payments Coverage

  • Physical Damage Coverage (with deductible options)

  • Liability Coverage for accidents with other watercraft


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Common Add-Ons & Options

We customize recreational vehicle insurance in Florida with add-ons like:

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Roadside & Towing Assistance for RVs

Support when you’re stranded during a trip.

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Vacation Liability

Covers injuries or damage that occur while your RV is parked at a campsite.

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Personal Belongings Coverage

Protects valuables stored in your RV or watercraft.

Who Needs RV & Recreational Vehicle Insurance in Florida?

Local Risks to Consider

Recreational vehicles face unique risks in South Florida:


  • Hurricanes & Flooding – RVs, boats, and ATVs are highly vulnerable to severe weather.

  • Theft & Vandalism – High-value vehicles often stored outdoors are prime targets.

  • Accidents – Off-road trails, highways, and waterways carry unpredictable risks.

FAQs – RV & Recreational Vehicle Insurance in Florida

  • Is RV insurance required in Florida?

    Yes, motorhomes and certain campers require liability insurance. Coverage for off-road vehicles is highly recommended to protect your investment.

  • Does boat insurance cover accidents on the water?

    Yes — liability and damage coverage apply if you’re in an accident with another watercraft.

  • Do I need insurance for an ATV or side-by-side if I don’t drive it on public roads?

    Yes — theft, garage damage, or off-road accidents can still cause major losses.

  • Does RV insurance cover belongings inside the vehicle?

    Yes, personal property coverage can protect your items stored in your RV.

Protect Your Adventure with Confidence

Get the Right RV & Recreational Vehicle Insurance in Florida – The Marcus Group

From ATVs and dirt bikes to boats and motorhomes, your recreational vehicles deserve specialized coverage. With local expertise, top-rated carriers, and decades of experience, The Marcus Group ensures your adventures are protected.