RECREATIONAL VEHICLES

Boat insurance isn't legally required in Florida, but that doesn't make it ok for Florida boaters to skip coverage. If it would be painful to replace your boat out-of-pocket, you should probably insure it. Homeowners insurance probably doesn't cover your boat or the resulting medical bills if anyone is injured.

 
While Florida state law does not require PWC operators to carry insurance on their vessels, it does have this to say about boater safety and regulations: Personal watercraft are extremely maneuverable. ... It is also illegal for the owner of a PWC to knowingly allow a person under 14 years of age to operate a PWC 

A drivable RV is more like a motor vehicle and will need RV insurance.  

In general, states require RV owners to keep a minimum of liability insurance. If you're at fault in an accident or property loss, liability insurance covers the other party's medical bills, property damages and your legal bills 

 
Generally, your car insurance coverage will extend to your trailer. However, this typically only applies to liability coverages. ... RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage.