Mobile Home & RV Dealer Rules: Insurance, Plates, and Salespeople

Disclaimer: This content is for informational purposes only and does not constitute legal, financial, or insurance advice. Requirements may change. Verify current rules with FLHSMV or a licensed professional.

Florida treats mobile home dealers and RV dealers differently than standard auto dealers. Use this checklist to stay compliant.

Key points in 30 seconds

• Mobile home dealers can sell RVs with an RV endorsement plus garage liability $25k CSL + $10k PIP.
• Mobile home–only dealers cannot use dealer plates.
• RV dealers may sell cars taken in trade but cannot buy cars for resale without a motor-vehicle license.
• Salespeople for mobile home dealers must be registered on Form 84045.

Who this applies to

• Mobile home dealers adding RV sales.
• RV dealers verifying what they can do with trade-in cars.
• Compliance staff updating insurance and plate policies.

Selling RVs from a mobile home dealership

• Mobile home dealers may sell RVs at their licensed location if they add the RV endorsement and carry garage liability insurance with at least $25,000 CSL (bodily injury + property damage) plus $10,000 PIP (s. 320.771(8), F.S.).
• They may also transact RVs with a motor vehicle auction once endorsed.

Plates and privileges

• Dealers exclusively dealing in mobile homes cannot use dealer plates. Plan for regular registration instead.

Salespeople

• Mobile home dealers must register every salesperson with FLHSMV using Form 84045 (s. 320.77(9), F.S.). Keep filings current when staff change.

RV dealers: what they can and cannot do

• An RV dealer may retail or wholesale a motor vehicle taken in trade, if incidental to their RV business.
• An RV dealer cannot buy motor vehicles for resale unless also licensed as a motor vehicle dealer.
• RV dealers can transact RVs with auctions; mobile home dealers with the RV endorsement can too.

Quick reminder: independent and franchised motor vehicle dealers need a separate RV dealer license to sell new RVs that weren’t taken in trade.

Examples

• Mobile home dealer adding RVs: Gets an RV endorsement, shows garage liability with PIP, keeps regular plates (no dealer plates), and can sell RVs on-site.
• RV dealer with trade-in car: May retail the car because it was taken in trade; cannot buy cars purely for resale without a motor-vehicle dealer license.
• Auction transaction: Mobile home dealer with RV endorsement can transact RVs with a motor vehicle auction.

Internal links

• Cornerstone overview: /dcs/resources/florida-dealer-license-types-explained
• Dealer vs broker: /dcs/resources/florida-dealer-licensing-basics
• Wholesale & auction rules: /dcs/resources/wholesale-and-auction-ground-rules
• CMV insurance (heavier vehicles): /dcs/resources/florida-commercial-motor-vehicle-insurance-guide

Quick FAQ

• What insurance is required for a mobile home dealer selling RVs? Garage liability with at least $25,000 combined single limit plus $10,000 PIP.
• Can a mobile home–only dealer use dealer plates? No—regular registration only.
• Can an RV dealer buy cars for resale? Not unless it also holds a motor-vehicle dealer license; selling cars taken in trade is allowed.
• Do mobile home dealer salespeople need to be registered? Yes, via Form 84045 with FLHSMV.

Source

• Florida Department of Highway Safety and Motor Vehicles, Motor Vehicle, Recreational Vehicle and Mobile Home Dealers FAQ: https://www.flhsmv.gov/motor-vehicles-tags-titles/dealers-installers-manufacturers-distributors-importers/mv-rv-mh-dealer-broker-licenses/mv-rv-mh-dealers-faqs/
• Last reviewed: February 4, 2026.