gthatch Report post Posted February 17, 2021 After several trips to the Fort Myers area, we decided to buy a lot. Also, if we are not using lot, the office will rent the lot out if we wish to be in their rental program (70/30 split). I am seeking recommendations on RV site/lot liability coverage as well as for the storage shed and tiki hut on the lot. I would want to make sure the liability insurance protects me and provides coverage if the lot renter does something stupid and gets injured on my lot. Any suggestions would be appreciated. Share this post Link to post Share on other sites
wildebill308 Report post Posted February 18, 2021 Welcome to the forum. Why arn't you talking to your insurance agent? What did the place in Fort Myers say? What did the outher owners say? Bill Share this post Link to post Share on other sites
manholt Report post Posted February 18, 2021 When its rented out, its on the Park. As Bill said. Share this post Link to post Share on other sites
hermanmullins Report post Posted February 18, 2021 9 minutes ago, manholt said: When its rented out, its on the Park. Good point however I would have it confirmed in writing from the park's owner. Just as a precaution. Herman Share this post Link to post Share on other sites
wayne77590 Report post Posted February 18, 2021 (edited) I'd have it confirmed by the insurance company. p.s., and then I'd ask for a mock up policy to look at. Edited February 18, 2021 by wayne77590 p.s. Share this post Link to post Share on other sites
manholt Report post Posted February 18, 2021 As for OP, get a policy on any bldg you own & a umbrella for liability, their cheap. Share this post Link to post Share on other sites
gthatch Report post Posted February 19, 2021 (edited) Thank you all for the replies. My agent in Ohio cannot sell a policy in FL. I am waiting to hear back from someone at Cypress Trail with the phone number for the place that everyone in this community seems to use. It is either Integrity or something similar in Punta Gorda. I have tried Googling but there are several with similar names. I have also posted in the owners group FB page, no one has replied yet. Yes, i do want the coverage on the shed and tiki as well as liability. Would really like to add the umbrella coverage like I have at home in Ohio. Again, I do appreciate the responses. Calling the insurer for my RV now, Progressive. UPDATE, not offered by Progressive Edited February 19, 2021 by gthatch Share this post Link to post Share on other sites
manholt Report post Posted February 19, 2021 Ask at the office, who they use! Share this post Link to post Share on other sites
gthatch Report post Posted March 4, 2021 Update: I have learned the name of company that insures most of the lots here in Cypress Trail. Waiting on the quote, sounds promising. FMCA Insurance will not insure my lot because it can be rented out when I am not using it. Share this post Link to post Share on other sites
docj Report post Posted March 5, 2021 I just had Miller Insurance in Oregon write a policy on my RV site in TX. I had previously used a different company; Miller's quote is significantly less. I strongly urge you to contact Roxanne at Miller; she's very competent. ROXANNE M. SUTTON5805 SW Willow Lane | Lake Oswego, OR 97035(800) 622-6347 toll free | (503) 636-6347 main | (503) 699-9348 fax Share this post Link to post Share on other sites
