Recreational Vehicle Insurance in Chester, New York
A recreational vehicle (RV) provides a sense of freedom and convenience that appeals to many different lifestyles. This valuable investment needs financial security in case of accidents, damage or liability concerns.
Is RV Insurance Mandatory in New York?
If your RV is a motorhome, the state of New York requires proof of financial responsibility similar to an automobile. You must maintain minimum levels of liability coverage to handle injuries or property damage caused in an accident. If your RV is a towable unit, such as a travel trailer, the state may not mandate insurance, but lenders often require it for financed vehicles. Some private campgrounds and RV parks also ask for insurance before you’re allowed to use their premises.
What Does RV Insurance Cover? 
The coverages included in RV insurance policies vary per policyholder. Many policies consist of the following essential coverages:
- Liability coverage may cover costs associated with third-party injuries or property damage for which you are responsible.
- Collision coverage may pay for your RV’s repair or replacement costs after an accident.
- Comprehensive coverage may cover incidents unrelated to a collision, such as fire, theft or weather-related damage.
- Personal belongings coverage may help with the cost of repairing or replacing valuables inside your RV.
- Emergency expenses coverage may reimburse lodging or transportation costs if your RV becomes unlivable due to a covered event.
How Much Does My Policy Cost?
Many factors influence your RV insurance rates. Insurers often calculate premiums depending on the following:
- Type and class of RV
- Usage
- Driving history
- Storage location
- Coverage limits and deductibles
Contact Us
Contact Morais Agency today to explore RV insurance options. Our dedicated professionals are ready to work with you to create a customized plan that meets your requirements.