Specialty Insurance Coverage Florida Can Rely On
Not everything fits in a standard insurance box. If you own an RV, ATV, golf cart, or other specialty vehicle, you already know the risks. One accident, theft, or unexpected storm could cost you thousands. Most people don’t realize that their auto or homeowners policy may not fully cover these types of assets. That leaves gaps—big ones—that become financial nightmares when something goes wrong.
FLB Insurance Agency, based in Cape Coral and serving all of Florida, finds coverage that fits your specialty vehicles like a glove. We work with over 200 carriers to deliver custom-tailored protection at the best possible rates. Call us now to speak with an agent and get the specialty insurance coverage you need—fast, simple, and stress-free.
Specialty Insurance Services for Florida Vehicles & Gear
We insure the toys, tools, and treasures that matter most to you. Whether it’s built for recreation or built for the road, FLB Insurance Agency helps protect it all.
Our Specialty Insurance Coverage Includes:
RV Insurance
- Covers Class A motorhomes, travel trailers, fifth wheels, and campers
- Protection for accidents, theft, storms, fire, and liability
- Add-ons like personal belongings and roadside assistance
ATV & Golf Cart Insurance
- For off-road vehicles, street-legal carts, and all-terrain use
- Comprehensive, collision, liability, and uninsured motorist coverage
Classic Car Insurance
- Agreed value coverage for vintage and collector vehicles
- Includes spare parts, restoration protection, and limited-use discounts
Motorhome & Camper Coverage
- Full-time or part-time coverage available
- Protection for interior fixtures, awnings, appliances, and trip liability
Travel Trailer Insurance
- Covers utility trailers, enclosed haulers, and towable RVs
- Liability, theft, storm damage, and collision protection
Why You Need a Professional Insurance Agent for Specialty Coverage
Buying specialty insurance online may seem easy—until it’s time to file a claim and you discover you’re not fully covered.
An experienced insurance agent helps you:
- Identify risks specific to your vehicle or lifestyle
- Avoid gaps in protection between auto, home, and specialty policies
- Compare prices across 200+ carriers for better value
- Understand exclusions, limits, and add-ons clearly
At FLB Insurance Agency, we tailor every policy to
fit—no guesswork, no overspending, no surprises.
Why Specialty Insurance Coverage Matters
Florida is fun—but unpredictable. Whether you’re riding trails, cruising in a golf cart, or exploring the coast in your RV, you need reliable protection. Without it, you're one incident away from big losses.
Specialty insurance gives you peace of mind to:
- Travel and explore without worry
- Protect assets from theft, damage, or liability
- Cover expensive gear and personal belongings
- Avoid surprise expenses after an accident or storm
It’s not just insurance—it’s financial protection for the lifestyle you love.
Frequently Asked Questions
Q: Is RV insurance required in Florida?
A: Yes. If it’s motorized, Florida requires minimum liability coverage. But full coverage is strongly recommended.
Q: Does homeowners insurance cover golf carts or ATVs?
A: Usually not. Specialty vehicles often require their own policies for proper protection, especially off your property.
Q: How much does specialty insurance cost?
A: It depends on the type, value, and use of the vehicle. We shop over 200 carriers to get you the best rate.
Q: Can I bundle specialty insurance with home or auto?
A: Absolutely. Bundling can lower your costs and streamline your coverage.
Get Custom Specialty Insurance from FLB Insurance Agency
Don’t leave your RV, ATV, or golf cart exposed to risk. Get customized coverage designed for how—and where—you use it. Call FLB Insurance Agency today for a free quote on Florida specialty insurance. Proudly serving Cape Coral, Fort Myers, Naples, Miami, Tampa, and the entire state. We speak English, Spanish, and Italian. Let us shop your insurance—so you don’t have to.
