RV Insurance Ogdensburg New York

What is RV insurance and how does it work?

RV insurance in New York protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

RV insurance in New York provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your RV.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An RV insurance policy is usually comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing an RV, your lender may also have requirements.

New York RV insurance policies are for six months or a year.  Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.  

Why do you need RV insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your bike is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your RV is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.  Having RV insurance in New York is no exception!

Questions to ask your agent

Your Independent Agent is an advocate for finding RV insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

InsuranceTrak makes it easy to find the best rates for RV insurance in New York.  Probably the best part shopping with InsuranceTrak is that you can get instant RV insurance quotes online right from our website!  Simply complete the form at the top of this page to get started.  You'll receive instant insurance quotes for RV insurance in New York returned directly to your screen on our website!  If you'd rather speak to a human being, no problem.  You can call us anytime to get a quote and a local expert will ensure we shop the best insurance companies to find the best coverage at the cheapest price for RV insurance NY.  

We use our years of insurance industry experience to recommend coverages that will best protect you.  We are your Ogdensburg New York RV insurance agency at InsuranceTrak!