Get New York RV Insurance that Covers Winter Storms and Year-Round Adventures

New York requires liability insurance for all motorized RVs with these minimums: $25,000 for bodily injury and $50,000 for death per person, $50,000 for bodily injury and $100,000 for death for two or more people in an accident, and $10,000 for property damage. Requirements vary by state — check your state's Department of Insurance for current minimums. Travel trailers don't legally require separate insurance, but your auto policy won't cover damage to the trailer itself.  

Roamly may cover weekend warriors exploring the Finger Lakes, full-timers wintering in Florida, DIY Sprinter builds, and rental hosts listing on Outdoorsy or RVshare. Coverage terms, conditions, and availability vary by state and policy. See policy for details. We're one of the few carriers that may not void your policy if you rent your rig on peer-to-peer platforms. Coverage terms, conditions, and availability vary by state and policy. See policy for details.  

Most New York RVers pay between $500 and $1,500 per year for part-time coverage, while full-timers typically see rates from $1,500 to $4,000 annually. Roamly customers save up to 35% compared to other providers because we specialize in recreational vehicles and shop multiple carriers to find you the best rate. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

Who We Insure

Roamly covers the full range of New York RV owners:

• Full-Time RVers: Whether you're living in your Class A year-round or snowbirding between upstate summers and southern winters, we may offer coverage designed for RVs used as primary residences. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• Weekend Warriors: Taking your fifth wheel to the Catskills for the weekend or exploring Lake Ontario's shoreline in your travel trailer, we may offer affordable coverage for occasional use. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• DIY Builds & Van Conversions: We may insure custom Sprinter builds, school bus conversions, and owner-modified rigs for their actual value, not some depreciated book number. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

• RV Rental Hosts: List your motorhome on Outdoorsy or RVshare without breaking your policy terms. Most insurers exclude peer-to-peer rentals. We may offer coverage that allows this. Coverage terms, conditions, and availability vary by state and policy. See policy for details.

What are the Minimum RV Insurance Requirements in New York?

New York requires liability insurance for all motorized RVs (motorhomes, Class A/B/C) with the following minimums:

• $25,000 for bodily injury per person and $50,000 if death occurs

• $50,000 for bodily injury for two or more people and $100,000 if death occurs

• $10,000 for property damage per accident 

Source: New York DMV Requirements vary by state — check your state's Department of Insurance for current minimums.  

Travel trailers need the towing vehicle to have auto liability coverage, but that won't protect the trailer itself from damage. You'll need a separate RV policy for comprehensive and collision coverage on towables.  

Here's the deal: New York's variable weather makes comprehensive coverage especially smart. Winter storms and heavy snow may cause RV insurance claims in upstate areas, and snowmelt flooding may damage an RV in the spring. If you're storing or traveling between November and April, winter storm damage coverage is practically essential.

How Much Does RV Insurance Cost in New York?

RV insurance rates in New York depend on your rig type, how often you use it, and your driving history. Here's what most New York RVers pay: 

• Part-Time RVers: $500-$1,500 per year

• Full-Time RVers: $1,500-$4,000 per year

• Liability-Only (minimum): $125-$400 per year 

Your rates are affected by your RV's value, where you store it, and whether you're full-timing or using it seasonally. Urban areas like NYC and Buffalo typically see higher rates than rural counties, but comprehensive coverage costs more in areas prone to winter storm damage.

Roamly customers save up to 35% on RV insurance compared to other providers. Coverage terms, conditions, and availability vary by state and policy. See policy for details. We shop multiple carriers and focus exclusively on recreational vehicles, which means better rates and coverage built for how RVers actually use their rigs.

Coverage Options for Part-Time and Full-Time New York RVers

Whether you use your RV for occasional getaways or live in it year-round, you can customize coverage to fit your needs.

Part-Time / Weekend use coverage:

• Liability Coverage: Required by New York law. Pays for injuries and property damage you may cause to others.

• Collision Coverage: May repair your RV after an accident, regardless of fault.

• Comprehensive Coverage: May cover theft, fire, winter storms, snowmelt flooding, falling branches, and vandalism.

• Uninsured/Underinsured Motorist: May protect you if hit by a driver without adequate insurance.

• Medical Payments Coverage: May pay medical bills for you and passengers after an accident.

• Roadside Assistance: Towing, tire changes, jump starts. RVs need specialized service.

• Vacation Liability: Coverage for incidents at your campsite when parked.

Full-Time / Live-In coverage:

Everything above, plus protections designed for RVers whose rig is their primary residence:

• Full-Timer's Liability: Similar to homeowners' liability, it covers you when your RV is parked and used as a home.

• Personal Property Coverage: Protects your belongings inside the RV up to your policy limit.

• Scheduled Personal Property: Higher limits for expensive items.

• Loss Assessment Coverage: Pays fees if you damage shared property at an RV park.

• Emergency Expense Coverage: Reimburses lodging and transportation (up to $7,500) if your RV is disabled.

• Adjacent Structures Coverage: Protects attached structures like awnings and satellite dishes.

• Diminishing Deductibles: Your deductible drops for every claim-free year.