RV INSURANCE
RV Insurance in
New York
Coverage for motorhomes, travel trailers, campers, and RVs.
RV & TRAILER INSURANCE
RV Insurance in New York
Coverage for motorhomes, travel trailers, campers, and RVs.
Or speak with a licensed insurance agent: 1-716-349-4429
RV Insurance Coverage by Vehicle Type
Coverage options for motorhomes, travel trailers, fifth wheels, and more.
Motorhomes
Coverage for Class A, B, and C motorhomes, camper vans, and RVs.
Travel trailer
Coverage for travel trailers, fifth wheels, pop-up campers, and other towable RVs.
Fifth wheel
Coverage for fifth-wheel RVs, towable campers, and larger recreational trailers.
What Does RV Insurance Cover?
RV insurance can help protect your motorhome, travel trailer, belongings, and finances while you're on the road or parked at a campsite. Available coverage depends on your RV type, insurance carrier, and policy.
RV Liability Coverage
Helps protect you if you cause an accident
Liability coverage may help pay for injuries or property damage you are legally responsible for after an accident involving your motorhome. Liability requirements for motorhomes generally differ from coverage for towable travel trailers, which are typically pulled by an insured vehicle.
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Collision Coverage
Helps cover damage to your RV after a collision
Collision coverage may help pay to repair or replace your motorhome or travel trailer if it is damaged in a covered collision with another vehicle or object. A deductible generally applies.
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Comprehensive Coverage
Helps protect your RV from certain non-collision losses
Comprehensive RV insurance may help cover losses caused by events such as theft, vandalism, fire, falling objects, and certain weather-related damage. Coverage is generally subject to your deductible and policy terms.
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Uninsured / Underinsured Motorist Coverage
Helps protect against drivers with little or no insurance
Uninsured and underinsured motorist coverage may help with certain injury-related losses if your motorhome is involved in an accident caused by a driver who has no insurance or insufficient liability coverage.
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Medical Payments Coverage
May help with eligible accident-related medical expenses
Depending on your policy and RV type, medical payments coverage may help pay certain medical expenses for you or eligible passengers following a covered accident.
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Personal Belongings Coverage
Helps protect personal property inside your RV
Personal belongings coverage may help repair or replace certain items kept inside your RV, such as clothing, electronics, camping equipment, and other personal property after a covered loss.
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Total Loss Replacement Coverage
Additional protection if a qualifying RV is totaled
Some RV insurance policies offer total loss replacement coverage for qualifying newer RVs. Depending on policy terms, this coverage may help replace a totaled RV with a comparable new RV rather than paying only its depreciated value.
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RV insurance coverage, eligibility, requirements, limits, deductibles, exclusions, and benefits vary by RV type, insurance carrier, and policy. Financing or lease agreements may require certain physical damage coverage.
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RV Insurance FAQs
Find answers to common New York RV insurance questions.
What is RV insurance?
RV insurance is coverage designed for recreational vehicles such as motorhomes, travel trailers and fifth-wheel trailers. Depending on the type of RV and the policy you choose, it can help protect against liability, physical damage, theft and other covered losses.
Is RV insurance required in New York?
Insurance requirements can depend on the type of RV. Motorhomes generally require liability insurance because they are driven on public roads, while travel trailers and other towable RVs may have different insurance needs. It is important to review the coverage required for your specific RV and how it is used.
Do you need motorhome insurance?
Yes, if you own a motorhome, you typically need insurance designed for a vehicle that is driven on the road. Motorhome insurance may include liability coverage and optional protection for collision, comprehensive losses, personal belongings and more.
Is travel trailer insurance required in New York?
Travel trailer insurance requirements can vary depending on the type of trailer, how it is financed and how it is used. Even when separate liability coverage is not required in the same way as a motorhome, coverage for physical damage, theft and other losses may still be important.
How much does RV insurance cost in New York?
RV insurance costs can vary based on the type of RV, where it is stored, how often it is used, its value, your driving history, coverage limits, deductible and other risk factors. Comparing quotes can help you find coverage that fits your needs and budget.
What does RV insurance cover?
RV insurance may include liability coverage as well as optional collision, comprehensive, uninsured or underinsured motorist, personal belongings, roadside assistance and vacation liability coverage. Available coverages vary based on the policy and the type of RV being insured.
What does RV insurance not cover?
RV insurance does not cover every type of loss. Exclusions can vary by policy, but certain wear and tear, mechanical breakdowns, intentional damage and uncovered water or flood-related losses may not be included. Always review the policy terms, conditions and exclusions carefully.
What types of RVs can be insured?
Many types of recreational vehicles can be insured, including motorhomes, camper vans, travel trailers, fifth-wheel trailers, toy haulers and pop-up campers. The coverage available can vary depending on the type, size, age and use of the RV.
