Insuring Your RV in New York: What You Need to Know Before Hitting the Road

People sitting in front of their RV at sunset

Summer is peak RV season in New York, and whether you’re heading to the Adirondacks, camping at your favorite seasonal site, or exploring cross-country, it’s important to make sure your RV is properly insured before you travel.

What Kind of Insurance Does an RV Need?

If you own a motorized RV (Class A, B, or C), New York State requires the same minimum liability coverage as a standard vehicle. That includes:

Bodily Injury Liability (BI) covers injuries you cause to others in an accident. The state minimum is $25,000 per person and $50,000 per accident.

Property Damage Liability (PD), which covers damage you cause to someone else’s vehicle or property, with a required minimum of $10,000 per accident.

Uninsured Motorist (UM) coverage, which helps with medical expenses for you and your passengers if you’re hit by someone without insurance. The required limits are $25,000 per person and $50,000 per accident.

Personal Injury Protection (PIP) covers medical costs for you and your passengers, regardless of who was at fault. New York requires a minimum of $50,000 per accident.

If you tow a trailer or camper, liability typically extends from your auto policy, but you may want separate physical damage coverage for added protection.

Optional Coverage Worth Considering

  • Comprehensive & Collision – Covers damage from accidents, weather, or theft.
  • Vacation Liability – Protection while parked at a campground.
  • Personal Belongings – Covers gear, tools, and valuables inside the RV.
  • Emergency Expense – Pays for lodging or meals if your RV breaks down.
  • Roadside Assistance – Essential for remote trips and unexpected issues.
  • Full-Timer Coverage – If your RV is your primary home.

Special Considerations for Seasonal Campers

If you lease or rent a seasonal campsite and leave your camper there for an extended time, your insurance needs may look different:

  • Liability Requirements – Many campgrounds require proof of personal liability insurance for the site you lease.
  • Decks, Sheds, and Other Structures – If you’ve added a deck, shed, or other improvements, be sure those are properly covered. Some insurance companies allow us to write the camper as a mobile home to include coverage for “other structures.”
  • Golf Carts – Frequently used on larger campground properties, golf carts may need separate physical damage and liability coverage.

Every situation is different—whether you’re traveling, parked for the season, or doing a mix of both.

Seasonal Use & Storage

If your RV is parked during the winter months, storage-only insurance can protect it from fire, theft, or storm damage at a reduced rate. Make sure you maintain coverage throughout all season, as off-season risks still exist.

Contact Us for a Quote or Coverage Check Today

Before your next trip, review your current coverage with Metzwood Insurance or contact us for a quote. Let us help you stay protected every mile of the way.

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