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RV Insurance that travels with you.

Our experienced Insurance Advisors shop and compare quotes from only “A-Rated” national carriers, giving you quality coverage at the best rate.

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Our Coverages

We’re here to help you get the most value from your insurance. Worth was created from firsthand frustration with the traditional home insurance experience. Our team and streamlined process make it easy to find high-value policies and stay protected against the unexpected. Let’s take home insurance off your to-do list and replace it with peace of mind.

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Dwelling Coverage

This coverage protects the main structure of your home, including walls, roof, and built-in features. It’s important to insure your home for its full rebuild cost, known as replacement cost, so you’re properly covered if damage occurs.

Other Structures

This section covers structures on your property that are not attached to your home, such as fences, sheds, and detached garages. Coverage is typically set at around 10% of your main dwelling coverage but can be increased if needed.

Personal Property

This coverage helps protect your personal items if they’re damaged, destroyed, or stolen. Items such as furniture, electronics, clothing, and toys are included—essentially anything that would fall out if your home were turned upside down.

Loss of Use

If a covered loss makes your home unlivable, this coverage helps pay for temporary living costs. It can cover expenses like hotel stays, rent, and daily necessities while your home is being repaired.

Liability Coverage

This coverage provides financial protection if someone is injured on your property or if you’re found legally responsible for damage or injury. It helps cover medical costs, legal fees, and settlements related to covered claims.

Medical Payments

This coverage helps pay for minor medical expenses if someone is injured on your property, regardless of fault. Standard policies typically offer coverage up to $5,000 per claim for quick medical assistance.

The Sunshine State RV Guide: Rules of the Road

 Registration & Renewals

  • Buying from a Dealer: Usually, the dealer will manage the paperwork for you.

  • Private Sales: You are responsible for registering the vehicle at your local County Tax Collector’s office.

  • Stay Current: Registrations must be renewed annually. You can do this online, by mail, or in person, provided you show proof of active insurance.

. Licensing and Safety

  • Driver’s License: A standard license is sufficient for any RV weighing under 26,000 pounds.

  • Seatbelts: Florida law requires all passengers to be buckled up while the vehicle is in motion.

  • Towing: If you are towing a “toad” (a secondary vehicle), ensure you are adhering to Florida’s specific weight and length restrictions.

Frequently Asked Questions

What services does Milner Group provide?

Milner Group is a Florida-based personal lines insurance agency specializing in protecting individuals, families, and property owners. We offer customized insurance solutions, including homeowners, condo, renters, auto, flood, umbrella, and specialty coverage. Our focus is on clear guidance, strong coverage, and long-term risk management-not just price.

Our primary focus is personal lines insurance for residential clients, including primary homes, second homes, and investment properties. We also assist select small business owners and landlords with related coverage needs when appropriate, or coordinate with trusted commercial partners.

You can request a quote by completing the online quote form on our website, calling our office directly, or emailing our team. We’ll review your information, discuss your coverage goals, and shop multiple carriers to find the best available options for your situation.

Yes. Milner Group is fully licensed in the State of Florida and works exclusively with authorized, A-rated insurance carriers. We operate in compliance with all Florida insurance regulations and maintain proper errors & omissions coverage for your protection.

Timelines vary depending on the type of policy and property details. Auto and renters insurance can often be bound the same day. Homeowners and flood insurance typically require underwriting review and inspections, which may take several days. We work efficiently to avoid gaps in coverage and meet closing deadlines whenever possible.

Yes. We offer complimentary insurance reviews and consultations. Whether you’re purchasing a new policy, renewing existing coverage, or simply want a second opinion, we’re happy to review your options at no cost or obligation.

Milner Group serves clients throughout the state of Florida, with a strong concentration in Palm Beach,n and St Lucie counties. We work with both local and remote clients and can handle