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RV Insurance

How you use your RV?  How often you use it? Hey, even your RV itself. It’s all unique and so is your RV insurance policy. Just get an RV insurance quote, and we’ll automatically build a custom policy with the perfect coverage. It’s that simple. You quote. We customize. You get a policy that’s all about you.

We know you’re probably thinking, isn’t all insurance customized? Technically, yes. But, RV insurance is different.

Companies We Write RV Insurance For

     

SKU: RV Insurance Categories: ,

Description

RV insurance can protect your motor-home, travel trailer, camper and even your horse trailer. Here at Cote Insurance Agency, let us help you select the right coverage for your RV and motor-home and get the best price and value at the same time. Call us today or click to get your free quote.

Coverage

Bodily injury liability

Bodily injury liability coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. It's recommended that policyholders buy more than the state-required minimum liability insurance, enough to protect assets such as your home and savings.

Medical payments or personal injury protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

Property damage liability

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

Collision

Collision coverage pays for damage to your car resulting from a collision with another car, an object, such as a tree or telephone pole, or as a result of flipping over.  It also covers damage caused by potholes.

Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company and, if they are successful, you'll also be reimbursed for the deductible.

Comprehensive

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered.

Comprehensive insurance is usually sold with a separate deductible, although some insurers may offer the glass portion of the coverage without a deductible.

Uninsured and underinsured motorist coverage

Uninsured Motorist covers you, a member of your family, or a designated driver if one of you is hit by an uninsured driver or a driver who doesn’t have sufficient insurance to pay for your total loss. This coverage also offers protection in the event a covered driver is the victim of a hit-and-run or if, as a pedestrian, you are struck by an uninsured or underinsured motorist.

Discounts

  • Bundled
  • Early renewal
  • Multi-car
  • Multi-line (bundled)
  • Loyalty
  • Good student
  • Home-owner
  • Accident-free
  • Good or safe driver
  • Usage or low mileage
  • Defensive driver course
  • Driver training
  • Anti-lock brakes
  • Anti-theft
  • Auto-pay
  • Paid-in-full
  • Paperless

Get A Quote

RV Insurance Quote

Coverage

RV Specific Coverage

  • RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
  • Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.
  • You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
    • Stated Value - market value/actual cash value of the RV
    • Agreed Value – the insured amount, regardless of the current market value
    • Replacement Cost – we will replace your insured RV with a new RV that is most like it
  • Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
  • Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
  • Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.
  • Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
  • Other additional coverage can include: Accident forgiveness, pet coverage, diminishing deductible, and more.
Cote Insurance Agency provides home, auto, business, life and many other types of insurance throughout New York State including Glens Falls, Queensbury, South Glens Falls, Corinth, Greenfield Center, Wilton, Gansevoort, Saratoga Springs, Ballston Spa, Clifton Park, Schenectady, Scotia and Rotterdam. We also cover the counties of Albany, Schenectady, Saratoga, Warren, Washington and Rensselaer.
© Copyright 2018 - Cote Insurance Agency - All Rights Reserved.

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94 Main Street,
Corinth, NY 12822

Phone: 518-654-9021
Fax: 518-654-7806
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Saratoga Springs
68 Weibel Ave,
Saratoga Springs, NY 12866

Phone: 518-587-3303
Fax: 518-587-4766
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Greenfield Center
3060 Route 9N,
Greenfiield Center, NY 12833

Phone: 518-893-5188
Fax: 518-893-2678
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South Glens Falls
1017 Route 9 N,
South Glens Falls, NY 12803

Phone: 518-761-6764
Fax: 518-761-1185
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