Why This Situation Is Unique
Unlike traditional RV rentals where the vehicle is driven, this scenario involves:
- Stationary use (parked long-term in your backyard)
- Long-term tenants using the RV as a residence
- Shared property with the homeowner nearby
This creates a hybrid situation between landlord insurance and RV coverage, making it essential to get the right policy.
Standard RV Insurance Likely Won’t Cover You
Most RV policies are meant for recreational use—road trips, camping, and occasional living. If your RV is being used as a rental dwelling, and especially if it’s not moving, many insurers will deny claims.
Risks of using standard coverage in this setup:
- Damage caused by tenants won’t be covered
- Liability claims for injuries may be denied
- Fire, water, or electrical damage from tenant use may fall outside your policy
- Personal belongings inside the RV may not be insured
To protect yourself and your property, you need coverage that treats the RV like a rented residential unit.
What Type of Insurance Do You Need?
Here are your best options:
✅ Mobile Home or Park Model Insurance (Stationary RV)
Some insurers allow stationary RVs to be insured as mobile homes. This treats the RV like a fixed dwelling, with:
- Dwelling protection (walls, roof, structure)
- Liability coverage
- Loss of use (if repairs displace the tenant)
- Vandalism, fire, and theft coverage
✅ Landlord Insurance (Rental Dwelling Policy)
This is especially useful if the RV is connected to utilities and used like a home. A landlord policy may offer:
- Property and structure protection
- Liability protection
- Loss of rental income
- Legal fee coverage
✅ Umbrella Insurance
To safeguard against larger lawsuits from tenant injuries or disputes, umbrella coverage can supplement your existing policy.
Tip: Speak with an agent who understands both RV and landlord risks—most policies must be custom-quoted for this situation.
Zoning, Permits, and Legal Considerations in Florida
Before renting out your RV in the backyard, check with:
- City or county zoning laws – Some areas prohibit using RVs as permanent residences
- HOA rules – Many homeowner associations don’t allow rental units on the property
- Utility hookups – You may need inspections or permits for water, sewer, and electric connections
- Occupancy limits – Florida laws may restrict how many unrelated individuals live on a property
Ignoring these can void your insurance and lead to fines or eviction orders.
Risk Management Tips for Backyard RV Rentals
Reduce potential liability and damage with the following:
- Use a formal lease agreement
- Screen tenants carefully
- Install smoke and CO2 detectors, fire extinguishers, and surge protectors
- Document the RV’s condition before move-in
- Require renters insurance for the tenant (for their belongings)
Final Thoughts: Don’t Rent Without Proper Insurance
Renting out an RV in your backyard can be a great income source—but it comes with legal and insurance risks. The right RV insurance when renting the RV in your backyard to tenants can protect your investment, reduce liability, and ensure a smooth experience for both you and your tenant.
