Adventure Protected—
Specialty Vehicle Insurance in Florida

One Policy for Every Ride—
RV, ATV, Boat, Motorcycle & More

Life in Florida means exploring on the road, water, and trail. Whether you own a luxury motorhome, a weekend ATV, a fishing boat for the Gulf, or a motorcycle for winding country drives, Proper Insurance Advisors has you covered. We offer specialty insurance for all kinds of recreational vehicles, tailored to how—and where—you use them. Don’t settle for a one-size-fits-all policy; get coverage built for every adventure.

What Does Specialty Vehicle Insurance Cover?

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RVs & Motorhomes

Protection for both driving and living in your RV—covers liability, collision, comprehensive, personal belongings, vacation liability, and full-timer options.

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ATVs & UTVs

Covers damage, theft, and liability whether you’re riding trails in the Apalachicola Forest or just around your property.

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Boats & Personal Watercraft

Coverage for everything from bass boats to jet skis—includes damage, theft, and liability on lakes, rivers, and the Gulf.

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Motorcycles & Scooters

Protection on the road or in storage—liability, collision, comprehensive, accessory coverage, and medical payments.

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Travel Trailers, Fifth Wheels, & Campers

Insurance for your home away from home—whether you tow a pop-up to FSU games or winter in a fifth wheel at the coast.

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Golf Carts, Snowmobiles, & More

Specialty coverage for all your seasonal and fun-to-drive vehicles.

Tailor-Made Options for Real-World Risks

  • Roadside Assistance & Towing—so a breakdown doesn’t spoil your trip.
  • Personal Belongings—protects gear, electronics, fishing equipment, and more inside your vehicle or vessel.
  • Agreed Value Coverage—for classic or high-value specialty vehicles, insures for a set value, not depreciated cost.
  • Liability on and off the road/trail/water—covers property damage and injuries, even when parked, stored, or docked.
  • Full-Time/Seasonal Coverage—adjust protection based on your usage—save money when not in use, ramp up for adventure season.

Built for Florida Fun—
Protection on Every Path

From RV road trips down I-10, ATV weekends in the woods, jet ski runs at the coast, or motorcycles, we know how North Floridians play. Our agency partners with carriers like Progressive, Safeco, and others who specialize in specialty vehicles, ensuring every policy is built for Florida’s weather and adventure lifestyle.

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Specialty Vehicle Insurance—Your Questions, Answered

  • Is specialty insurance required in Florida?

    Yes, for most motorized vehicles (RVs, motorcycles, boats used on public water). Even when not required, insurance is smart for protecting your investment.

  • Can I add specialty vehicle insurance with my auto or home?

    Absolutely—this often leads to big discounts.

  • Does standard auto or homeowners insurance cover ATVs or boats?

    Not typically. Specialty vehicles need their own policies for proper coverage, especially off-road or on the water.

  • Can I adjust my policy for seasonal use?

    Yes—ask about storage options or flexible coverage for when your vehicles aren’t in use.

Every Adventure Starts With the Right Coverage—Get a Quote Today

Whatever you drive, ride, or pilot, Proper Insurance Advisors will help you protect it. Get a specialty vehicle quote today for peace of mind on every trail, road, or wave.