Pop-up campers sit in a bit of a gray area when it comes to insurance, and that’s where confusion usually starts. In New York, whether RV insurance through DePaulo Agency, serving Scotia, NY, applies depends on how the camper is classified, how it’s used, and how it’s registered with the state.

How New York Looks at Pop-Up Campers

Pop-up campers are considered towable recreational vehicles, not motorized RVs. Since they don’t have an engine, they aren’t insured the same way as a motorhome. In New York, most pop-up campers must be registered with the Department of Motor Vehicles and meet basic equipment rules when they’re on the road, including lighting and safety connections while towing.

Where RV Insurance Comes In

RV insurance can apply to pop-up campers, especially when they’re used for travel and camping rather than just storage. This type of policy is typically written to protect the camper itself and address liability that can arise once it’s set up at a campsite. Coverage is tied to use, not just ownership, which is why pop-ups are often insured separately from other policies.

What To Know About Towing

When a pop-up camper is being towed, some protection may come from the vehicle pulling it. That coverage is usually limited to liability and doesn’t always extend to damage to the camper itself. Accidents, weather damage, or vandalism involving the camper may fall outside that scope.

New York-Specific Details That Matter

New York enforces specific towing and registration rules, and compliance can affect how a claim is handled. Seasonal storage, long-term campground stays, and how often the camper is moved can also influence how coverage applies.

Because pop-up campers don’t fit neatly into one category, reviewing your setup is important. Speaking with an insurance agent at DePaulo Agency, serving Scotia, NY, can help confirm how your camper is protected while traveling, parked, or stored.

Congratulations on purchasing a used recreational vehicle! This purchase comes with unique insurance considerations. Used RVs differ from new models because their value may fluctuate widely based on factors such as condition, cost, customization, and usage history. Intended usage will also have to be taken into account. All of this will affect the type of insurance coverage you will need. As every used RV differs, the policy must be customized to suit the RV best.

Considerations When Insuring Your Used Recreational Vehicle

Remember that pre-owned RVs present challenges in valuation primarily due to the inclusion of components vital to both residential and automotive needs. When you make a claim, the current market value of your RV is the basis for Actual Cash Value (ACV) coverage. You will need comprehensive and collision protection to cover the physical damage your RV may sustain. Any RV policy is going to have liability protection at its core. You may want to ensure that medical payments coverage and personal injury protection are added, as they cover medical expenses for all passengers in the insured vehicle, regardless of who was at fault in the accident. How long you plan to use your RV will affect your insurance rates. Full-timer’s liability coverage will act much like homeowner’s insurance. If you only use the RV during certain seasons and store it away for the rest of the year, you may qualify for a reduced rate.

Contact DePaulo Agency in Scotia, NY

If you are in the Scotia, NY, area and are considering RV insurance, please contact DePaulo Agency. We’re here to help.