Recreational Vehicle Insurance
We all enjoy spending time outdoors, but do you have the right protection for your active lifestyle? From your motor home or trailer to your favorite ATV or snowmobile, if you can buy it, Haylor, Freyer & Coon can insure it. We work with you to learn what is important, and then we find the right policy for you from a range of affordable options from top carriers. So get out there and have fun. We’ll be here to make sure no worries stand in your way.
- Bodily Injury Coverage – Covers the medical costs for the driver and passengers of a vehicle that you crash
- Property Damage Coverage – Covers property that your vehicle damages during an accident (i.e., another person’s vehicle)
- Personal Injury Protection (PIP) / No-Fault Coverage* – Covers medically-necessary expenses, regardless of who causes the accident
- Uninsured Motorist Coverage* – Covers you if you’re in an accident with an at-fault driver who doesn’t carry or doesn’t have enough liability insurance
- – Class A Motorhome / Motor Coach
- – Class B Motorhome / Camper Van
- – Class C Motorhome / Camper / (Also known as) Camper Van
- Medical Payments Coverage – Covers the medical costs for you and your passengers if injured in an accident
- Collision Coverage – Covers damages to your motorhome that resulted from a collision
- Comprehensive Coverage – Covers damage to your motorhome that was associated with theft, fire, vandalism, accident with animal, or windshield glass breakage
- Vacation Liability Coverage – If someone is injured in or around your motorhome while you’re on vacation
- Roadside Assistance Coverage – Covers roadside services and tows for motorhomes that you have
- Total Loss Replacement Coverage – Covers the motorhome if it is totaled in an accident to its replacement cost value
- Full Timer’s Coverage – Covers you if you’re liable for injuries in and around your motorhome up to a specified limit. It is meant for those who use their motorhome as a permenant residence
- Emergency Expense Coverage – Provides coverage to a certain limit when you’re on vacation and the motorhome becomes disabled more than 50 miles away from your home, requiring a hotel stay and another means of transportation to get home
- Bodily Injury Coverage – Covers the medical costs for the driver and passengers of a vehicle that you crash
- Property Damage Coverage – Covers property that your vehicle damages during an accident (i.e., another person’s vehicle)
- Personal Injury Protection (PIP) / No-Fault Coverage* – Covers medically-necessary expenses, regardless of who causes the accident
- Uninsured Motorist Coverage* – Covers you if you’re in an accident with an at-fault driver who doesn’t carry or doesn’t have enough liability insurance
- – Conventional Trailer
- – Fifth Wheel Trailer
- – Pop-up Camper / Folding Tent Trailer
- – Toy Hauler
- – Horse Trailer
- – Cargo / Utility Trailer
- – Mounted Truck Camper
- Medical Payments Coverage – Covers the medical costs for you and your passengers if injured in an accident
- Collision Coverage – Covers damages to your trailer that resulted from a collision
- Comprehensive Coverage – Covers damage to your trailer that was associated with theft, fire, vandalism, accident with animal, or windshield glass breakage
- Roadside Assistance Coverage – Covers roadside services and tows for trailers that you have
- Total Loss Replacement Coverage – Covers the trailer if it is totaled in an accident to its replacement cost value
- Emergency Expense Coverage – Provides coverage to a certain limit when you’re on vacation and the trailer becomes disabled more than 50 miles away from your home, requiring a hotel stay
Off-Road / Motorcycle Vehicles**
- Bodily Injury Coverage – Covers the medical costs for the driver and passengers of a vehicle that you crash
- Property Damage Coverage – Covers property that your vehicle damages during an accident (i.e., another person’s vehicle)
- Personal Injury Protection (PIP) / No-Fault Coverage* – Covers medically-necessary expenses, regardless of who causes the accident
- Uninsured Motorist Coverage* – Covers you if you’re in an accident with an at-fault driver who doesn’t carry or doesn’t have enough liability insurance
- – ATVs
- – Motorcross Bikes
- – Dirt Bikes
- – Snowmobiles
- – Golf Carts
- – Scooters / Mopeds
- – Dune Buggies
- Medical Payments Coverage – Covers the medical costs for you and your passengers if injured in an accident
- Collision Coverage – Covers damages to your vehicle that resulted from a collision
- Comprehensive Coverage – Covers damage to your vehicle that was associated with theft, fire, vandalism, accident with animal, or windshield glass breakage
- Roadside Assistance Coverage – Covers roadside services and tows for recreational vehicles that you drive
- Total Loss Replacement Coverage – Covers the recreational vehicle if it is totaled in an accident to its replacement cost value
- Carried Contents Coverage – Provides coverage for camping equipment, hunting gear, or any personal property that could fall out of your vehicle
*These are New York State’s requirements for minimum coverage. Basic minimum & No Fault coverage requirements vary by state.
**These vehicles may be written under Motorcycle Insurance Policies if used on roadways.