Does RV Insurance Cover Pop-Up Campers?

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.