The top-rated rv insurance agent in Rochester, New York is VanScoter Insurance Agency LLC, rated 5.0 stars across 438 reviews. Other highly rated options include Elmwood Agency, Jackie Ortiz - State Farm Insurance Agent, Freeway Insurance. This directory lists 39 rv insurance agents serving Rochester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | VanScoter Insurance Agency LLC | 1577 W Ridge Rd Suite 218 | (585) 663-2004 |
| 2 | Elmwood Agency | 1 Reserve View Blvd | (585) 548-4500 |
| 3 | Jackie Ortiz - State Farm Insurance Agent | 225 Alexander St | (585) 325-1960 |
| 4 | Freeway Insurance | 1363 Long Pond Rd | (585) 225-2560 |
| 5 | Sean Davern - State Farm Insurance Agent | 2121 E Main St | (585) 482-0738 |
| 6 | FLANAGAN MILLS INSURANCE AGENCY | 448 Titus Ave | (585) 678-8008 |
| 7 | Van C. Travis III, ChFC - State Farm Insurance Agent | 1978 Monroe Ave | (585) 461-5240 |
| 8 | Flour City Insurance Agency | 1260 Scottsville Rd Suite 202A | (585) 861-2002 |
| 9 | Insurance Marketplace Agency | 150 Allens Creek Rd Suite 220 | (585) 482-9980 |
| 10 | Dominic Agostini - State Farm Insurance Agent | 3177 Latta Rd Ste 11 | (585) 227-7000 |
VanScoter Insurance Agency LLC offers specialized RV insurance policies designed to protect recreational vehicles and travel trailers for clients in Rochester, New York. The agency provides tailored coverage that addresses the unique risks associated with RV ownership and travel. Its general service work includes assisting policyholders in selecting appropriate liability and vehicle protection options for their specific needs. During the harsh winter months in Rochester, the agency helps RV owners ensure their stored vehicles are properly covered against seasonal damage from snow and ice.
Elmwood Agency understands the difference between one-time RV insurance policies, which cover a single trip or short rental, and recurring annual policies that provide continuous protection for a personally owned vehicle. They offer liability and comprehensive coverage for recreational vehicles in the Rochester, New York, area. Their insurance advice helps owners comply with local requirements while safeguarding their investment. Service for new policies is provided on a one-time basis, while renewals and adjustments to existing coverage are handled on a scheduled annual cycle or as needed for special travel.
Spring in Rochester often brings RV owners out of winter storage, eager to prepare their vehicles for the first trip of the season. Jackie Ortiz - State Farm Insurance Agent addresses this need by offering tailored coverage plans for recreational vehicles, ensuring policyholders understand their liability and physical damage protection options. The focus remains on matching each vehicle’s usage patterns with an appropriate policy from available product lines. New clients typically begin with an over-the-phone or in-agency consultation, reviewing their current RV insurance situation and identifying any gaps before finalizing a recommendation.
Freeway Insurance provides RV owners in Rochester, New York, with both one-time policies for seasonal travel and recurring coverage for year-round protection. Their plans help safeguard recreational vehicles against standard road risks common in the region. Service operates primarily on an as-needed basis, meaning clients can obtain a policy for a single trip or maintain continuous coverage with periodic renewal as their usage requires.
Sean Davern's State Farm Insurance Agency provides RV insurance solutions to residents across Rochester, New York. The agency also handles commercial coverage for businesses needing protection for their recreational vehicle fleets within the greater Monroe County area. Each policy is reviewed to meet specific travel and storage needs. Clients can easily follow up by phone or in person between their regular seasonal visits to ensure their coverage remains appropriate for changing itineraries or vehicle modifications.
FLANAGAN MILLS INSURANCE AGENCY in Rochester, New York, is an RV Insurance Agent known for arranging coverage tailored to the needs of recreational vehicle owners. Their service range includes standard policies for motorhomes, travel trailers, and campers, addressing liability and physical damage protection. The agency helps clients navigate specialized coverages like roadside assistance for extended travel. Additionally, they offer an optional add-on for total loss replacement of the recreational vehicle.
Van C. Travis III, ChFC - State Farm Insurance Agent in Rochester, New York, offers RV insurance policies designed to protect recreational vehicles during travel and storage. Their service plans typically include coverage for collision, comprehensive damage, and liability while on the road. The company also assists with policy reviews to ensure appropriate protection for part-time and full-time RV use. Located in Rochester, this agency serves clients with diverse property needs, including single-family homes, apartments, retail establishments, and restaurants.
Flour City Insurance Agency serves the Rochester, New York metro area by offering specialized RV coverage for local recreational vehicle owners. This agency provides policies that protect motorhomes, travel trailers, and camper vans from common risks on the road. Clients benefit from tailored plans that address both liability and physical damage. Policy options through Flour City Insurance Agency may include coverage for personal belongings stored inside the vehicle. The agent handles comprehensive and collision protection tailored specifically for Rochester’s seasonal and year-round RV travelers.
Insurance Marketplace Agency serves RV owners across Rochester, New York, providing coverage for motorhomes, travel trailers, and campers. The agency helps customers find policies that protect their vehicles and personal belongings during local travel and extended road trips. They address common concerns such as liability, collision, and comprehensive protection tailored to seasonal usage. Coverage needs are also managed for full-time RV living arrangements. The agency additionally serves clients in the greater Monroe County area, including communities such as Henrietta.
What Does a a Rv Insurance Agent in Rochester Cost?
The average cost of RV insurance in New York ranges from 300 to 1,200 per year for a standard Class C motorhome, depending on factors like vehicle value, driving history, and coverage limits. Liability-only policies for older travel trailers may start around 150 annually, while full coverage for a luxury Class A motorhome can exceed 2,000 per year. Rates in Rochester may be slightly lower than in New York City due to lower population density and theft rates. This is general information, not insurance advice.
About rv insurance agents in Rochester
Rochester RV owners need insurance that meets New York minimum liability requirements and protects their vehicle. A local RV insurance agent in Rochester can help you navigate state-specific rules such as the mandatory no-fault coverage and uninsured motorist protection. Working with an agent familiar with upstate New York weather and road conditions ensures your policy addresses risks like winter storage and hail damage.
Frequently Asked Questions
What are the minimum insurance requirements for an RV in New York?
New York law requires all motorized RVs to carry liability insurance of at least 25,000 per person for bodily injury, 50,000 per accident, and 10,000 for property damage. You must also have no-fault personal injury protection and uninsured motorist coverage. Trailers under 1,500 pounds may not require insurance but liability is still recommended.
Do I need a separate insurance policy for my RV in Rochester?
Most RV owners in Rochester use a specialized RV policy rather than adding it to a car insurance plan. A separate policy can cover the vehicle structure, personal belongings, and liability for towing. It also includes features like vacation liability and roadside assistance tailored to RV travel.
How does winter storage affect my RV insurance in Rochester?
Many RV insurance policies in New York offer a storage or lay-up period during winter months. This reduces coverage for driving but keeps comprehensive and theft protection active. You can save money by suspending collision and liability while your RV is stored in a secure facility in Rochester.
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