RV owners in Fillmore, NY should make sure to insure their vehicles when traveling on the road, as insurance is required per New York State law. The same coverages don’t necessarily have to be in place when not traveling — but this doesn’t mean that it’s right to cancel insurance altogether.
The Risk of Uninsured Losses
Even when not traveling, your RV can still be at risk of theft, vandalism, or damage from natural disasters. Canceling your insurance means these risks are no longer covered, potentially leading to significant financial loss.
RV insurance policies often include comprehensive coverage for such events, and it’s usually wise to at least maintain this coverage all year.
Alternatives to Canceling Insurance
Instead of canceling your RV insurance, consider adjusting your coverage. Many insurers have options for seasonal or storage coverage, and most companies let you switch between the two when you want. Storage coverage normally only has comprehensive coverage and maybe a few ancillary protections, so it’s highly affordable.
Walker and Associates Insurance Agencies Inc. Is Here To Help
Adjusting coverages is something that you should do with the aid of a knowledgeable insurance agent, such as one of our agents here at Walker and Associates Insurance Agencies Inc. in Fillmore, NY. An agent will be able to help you adjust coverages and make sure the important ones are in place when you need them to be. It’s easy to overlook something if changing coverages on your own.
If you are in the Fillmore, NY area and want to explore as much of the state as possible, having your own RV is a great option. New York is a vast area, and it has all forms of attractions including big cities, waterfalls, mountains, and many lakes and camping spots. When you have an RV, you will be able to get around efficiently and enjoy it all. Along with your RV, it is also important that you get insurance. There are a lot of benefits that come with having RV insurance coverage here.
A primary benefit of having an RV insurance plan here is that it can provide you with financial support. If you are driving a RV, there is a chance an accident could be caused, and your RV plan will provide coverage to pay for damages. The insurance plan will also cover your RV if it is stolen or damaged.
Comply with Requirement
It is also beneficial to have RV insurance as it will ensure you can comply with requirements. If you are going to own and drive an RV, you will likely need to have insurance as it is required by state law. Further, if you have used a loan to buy the RV, you will need to have a full comprehensive insurance plan.
Reach Out To Us
Having an RV insurance plan is a great option for those living in the Fillmore, NY area. When you are in this part of the state, it would be a great idea to call our team with Walker and Associates Insurance Agencies Inc. As you are looking for this coverage, our professionals with Walker and Associates Insurance Agencies Inc. can help you evaluate your needs and build the right plan for your situation.
Having an RV can be both convenient and fun. Who doesn’t like the idea of having all the comforts of home on the road? However, like a vehicle, any motorized RV must be insured with liability insurance at the least.
Of course, there may be circumstances that require you to carry more than just liability insurance. Any motorized vehicle, RVs included, must be insured with state-required liability insurance.
Walker and Associates Insurance Agencies Inc. in Fillmore, NY is committed to helping RV owners understand the laws and get the coverage they need.
We only use our RV once a year. Do we still need liability insurance?
Regardless of how frequently you drive your RV, you are still required to carry liability insurance. Typically, RV owners must carry standard liability insurance that meets the state minimum requirements. RV owners are also required to carry personal injury protection insurance if they live in a no-fault state.
RV owners must carry bodily injury and property damage liability coverage at $25K per injury/person, and $50K per accident. Property damage coverage must be a minimum of $10K. Uninsured liability coverage must meet the $25K per person and the $50K per accident state minimum requirements for New York. Also, personal injury protection coverage is required at $50K.
Get RV Insurance Today
If you have questions regarding what’s required to drive your RV in the state of New York, call us. Our Fillmore, NY team at Walker and Associates Insurance Agencies Inc. is happy to answer questions regarding state requirements for RV owners as well as insurance coverage that meets the needs of our customers.