Adventure-Ready Coverage Since 1969
Motorhome & RV Insurance in New York
Your motorhome is more than just a vehicle—it's your home on wheels. Get specialized coverage that protects both.
- All RV Types Covered
- Full-Timer Options
- Roadside Assistance
- A, B & C
- Coverage for all motorhome classes and trailers
- $150K+
- Average new Class A motorhome value
Auto Insurance Doesn't Fully Cover Your RV
Standard auto insurance isn't designed for motorhomes and RVs. It won't cover the living quarters, personal belongings inside, or unique RV risks like vacation liability at campsites. Even if your auto policy provides some coverage, it likely has gaps that could leave you underinsured. Specialized RV insurance protects both the vehicle and the "home" aspects of your motorhome.
What Is Motorhome & RV Insurance?
Motorhome and RV insurance is specialized coverage designed for recreational vehicles—from large Class A motorhomes to pop-up campers. Because RVs serve as both vehicles and temporary (or permanent) living spaces, they need coverage that addresses both roles.
RV insurance combines elements of auto insurance (liability, collision, comprehensive) with features similar to homeowners insurance (personal property, liability at campsites). This dual-purpose coverage ensures you're protected whether you're driving down the highway or parked at a campground.
Whether you use your RV for occasional weekend getaways or live in it full-time, we can help you find coverage that matches your lifestyle and protects your investment.
Types of RVs We Cover
- Class A - Large, bus-style motorhomes
- Class B - Camper vans
- Class C - Cab-over motorhomes
- Travel trailers
- Fifth wheels
- Pop-up/folding campers
- Toy haulers
- Truck campers
Understanding RV Classes
Motorhomes are classified by size and design. Each class has different insurance considerations:
Class A Motorhomes
The largest and most expensive RVs, built on bus or heavy truck chassis.
- 25-45 feet long
- Full residential amenities
- Values from $50K-$500K+
- Highest insurance premiums
Class B Motorhomes
Also called camper vans. Built on standard van chassis.
- 17-23 feet long
- Compact, easy to drive
- Values from $40K-$200K
- Moderate insurance costs
Class C Motorhomes
Built on truck or van cutaway chassis with cab-over sleeping area.
- 20-35 feet long
- More affordable than Class A
- Values from $40K-$150K
- Popular for families
Towable RVs (Travel Trailers & Fifth Wheels)
Travel Trailers
Towed by SUVs, trucks, or large vehicles using a standard hitch. Range from small teardrop campers to large multi-room trailers. Generally less expensive to insure than motorhomes.
Fifth Wheels
Connect to pickup truck beds via a special fifth wheel hitch. Often larger and more stable than travel trailers. Popular for full-timers due to spacious layouts.
What RV Insurance Covers
Typically Covered
- Collision Coverage — Damage to your RV from collisions with other vehicles or objects.
- Comprehensive Coverage — Fire, theft, vandalism, hail, falling objects, and animal strikes.
- Liability Coverage — Injuries and property damage you cause to others while driving.
- Personal Property — Belongings inside your RV (clothing, electronics, camping gear).
- Vacation Liability — Liability coverage when parked at campsites (similar to homeowners).
- Medical Payments — Medical expenses for you and passengers regardless of fault.
Common Exclusions
- Mechanical Breakdown — Engine, transmission failures (separate breakdown coverage available).
- Wear and Tear — Normal deterioration, maintenance issues, and aging components.
- Commercial Use — Renting your RV or using it for business purposes.
- Pest/Vermin Damage — Damage from rodents, insects, or other pests.
- Mold/Mildew — Gradual water damage, mold, or mildew (unless from covered event).
- Unattended Theft — Personal items left outside or in unlocked storage (varies by policy).
Covered causes and exclusions vary by carrier and policy. Always refer to the policy as issued for the controlling terms.
Not Sure What Coverage You Need?
We can help you explore coverage options that may fit your needs and budget for your RV lifestyle.
Special RV Coverage Options
Beyond basic coverage, these options can enhance your protection:
Full-Timer Coverage
Essential if your RV is your primary residence (living in it 6+ months/year):
- Higher personal property limits
- Increased liability coverage
- Loss of use/additional living expenses
- Liability similar to homeowners
Additional Coverage Options
- Roadside assistance - Towing, tire changes, lockout help
- Total loss replacement - New RV if totaled within first years
- Emergency expense - Lodging/transportation after breakdown
- Attached equipment - Awnings, satellite dishes, solar panels
- Pet injury coverage - Vet bills if pet injured in accident
- Mexico coverage - Extension for travel into Mexico
What Affects Your RV Insurance Premium
Several factors influence how much you'll pay for motorhome coverage:
Factors That May Increase Rates
- Larger/more expensive RV (Class A)
- Full-time use vs. occasional
- New or newer model
- Higher mileage/more travel
- Poor driving record
- Lower deductibles
- Younger drivers on policy
Factors That May Reduce Rates
- Travel trailer vs. motorhome
- Seasonal/occasional use only
- Older experienced drivers (55+)
- Clean driving record
- Stored in secure location
- Safety/anti-theft devices
- Bundling with auto/home
How RV Type Affects Your Premium
Premiums generally increase with the size and value of the RV. Pop-up and folding campers typically carry the lowest premiums, followed by travel trailers and fifth wheels. Motorized units cost more to insure, with Class B camper vans and Class C motorhomes in the middle and large Class A motorhomes at the top of the range.
Actual premiums depend on RV value, usage, coverage levels, driving record, and other factors. For pricing based on your specific RV, schedule a consultation or call our office at 585-657-6101.
Weekend Warrior vs. Full-Timer: Coverage Differences
How you use your RV significantly impacts your insurance needs:
Occasional/Vacation Use
For RVers who travel seasonally or for occasional trips:
- Standard RV policy usually sufficient
- Vacation liability for campsite incidents
- Lower personal property limits may work
- Consider lay-up periods for off-season
- Generally lower premiums
Full-Time RV Living
If your RV is your primary residence (6+ months/year):
- Full-timer policy required
- Higher liability limits (like homeowners)
- More personal property coverage needed
- Loss of use/additional living expense
- Higher premiums, but essential coverage
Frequently Asked Questions About RV Insurance
Do I need special insurance for my motorhome or RV?
Yes, motorhomes and RVs need specialized insurance because they combine features of both vehicles and homes. Standard auto insurance doesn't cover the living quarters, personal belongings, or unique risks RVs face. RV insurance provides comprehensive coverage for the vehicle, liability, personal property, and often includes benefits like vacation liability, full-timer coverage, and roadside assistance.
How much does motorhome insurance cost?
Motorhome insurance costs depend on the RV type and value, usage (weekend vs. full-time), driving record, coverage levels, and where you travel. Class A motorhomes generally cost more to insure than travel trailers, and full-timers pay more than occasional users due to increased exposure. For pricing based on your specific RV, schedule a consultation or call our office at 585-657-6101.
What types of RVs can be insured?
RV insurance covers Class A motorhomes (large, bus-like), Class B (camper vans), Class C (cab-over designs), travel trailers, fifth wheels, pop-up campers, toy haulers, and truck campers. Each type has specific coverage needs based on size, value, and how it attaches to a tow vehicle.
What does RV insurance cover?
RV insurance typically covers the vehicle itself (collision, comprehensive), liability for accidents you cause, medical payments, personal belongings inside the RV, and uninsured/underinsured motorist coverage. Many policies also offer vacation liability, roadside assistance, full replacement cost, and specialized coverage for attached awnings, satellite dishes, and other accessories.
Do I need full-timer RV insurance?
If you live in your RV more than 6 months per year or use it as your primary residence, you need full-timer RV insurance. Full-timer policies provide additional coverage similar to homeowners insurance, including higher personal liability limits, personal property coverage, and loss of use benefits if your RV becomes uninhabitable.
Does my auto insurance cover my travel trailer?
Your auto insurance liability may extend to a travel trailer while it's being towed, but it won't cover damage to the trailer itself, your belongings inside, or incidents when the trailer is parked or detached. Separate travel trailer insurance is designed to cover the trailer and its contents, subject to policy terms.
What is vacation liability coverage?
Vacation liability (also called campsite liability) covers you when your RV is parked at a campground and someone is injured on or around your campsite. It functions similar to homeowners liability coverage, protecting you if a guest is hurt at your campsite, your awning damages a neighbor's vehicle, or similar incidents occur while you're stationary.
Related Coverage Options
Why Choose Us for RV Insurance:
- Coverage for all RV types and classes
- Full-timer options available
- Multiple carriers for competitive rates
- Roadside assistance programs
- Experienced guidance from licensed professionals
Important Information
This information is provided for general educational purposes only and does not constitute insurance advice or policy recommendations. Coverage features described are examples and may not be available in all policies or from all carriers. Actual coverage is subject to the terms, conditions, and exclusions of the policy as issued. Please consult with a licensed insurance professional to discuss your specific coverage needs and options. Stan Steele Agency is licensed in New York State (NYS Insurance License Nos. PC-665308, BR-665308, LA-665308).
Protect Your Adventure
Whether you're a weekend warrior or a full-time RVer, we can help you find coverage that lets you travel with peace of mind.