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RV Insurance

Hit the Road with the Right RV Coverage

RV insurance can protect your motorhome, 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 motorhome  and get the best price and value at the same time. Call us today or click  to get your free quote.

Upstate New York – Here are some things to consider when shopping for recreational vehicle insurance:

  • 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.
  • Discounts can lower your premium. Ask us at Cote Insurance Agency whether you qualify for safe driver discounts, original owner discounts, package discounts and more.
  • You can save money if you bundle your insurance with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life to have one agent take care of all your needs.

Cote Insurance Agency is independently owned and locally operated to handle your insurance needs. We focus on Saratoga Springs, Schenectady, Glens Falls, Clifton Park, Queensbury, Ballston Spa and offer affordable and reliable insurance choices all across New York.

Call for a quote today.
Cote Insurance can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!

Rather Meet With An Agent Face To Face?

Book An Appointment Online With Your Local Cote Insurance Agent.

Some Savings Tips

Bundling

Combine multiple policies with one carrier for savings up to 25%

Defensive Driving

Courses are now offered online. Discounts up to 10%

Better Credit

Make sure the person with the better credit score is listed first on the policy

Telematics

Many companies now offer devices to plug into your car. Ask an agent for more info.

Car Insurance Coverages

New York State – How much RV insurance is right for you?
Based in Saratoga Springs, Corinth, South Glens Falls and Greenfield Center, our agents understands the auto insurance needs of our customers.

Liability And No Fault

  • 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

Collision

  • 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.

Comprehensive

  • 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.
  • Discounts can lower your premium. Ask us at Cote Insurance whether you qualify for safe driver discounts, original owner discounts, package discounts and more.
  • You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life.

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Want to talk?

Please call us:
Saratoga Springs – 518-587-3303
Corinth – 518-654-9021
South Glens Falls -518-761-6764
Greenfield Center -518-893-2683

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