RV & Boat Insurance in Cooperstown NY & Palatine Bridge NY
RV and boat owners have the opportunity to have a lot of fun, but they also open themselves up to the risks that come with owning and operating large machinery. Recovering from losses and damages sustained to your RV and boat can be financially draining.
The Bob Putnam Agency can help protect both your RV and boat by creating a policy that covers your assets on the road and in the water. Call us at 607-397-1999 or request your free policy quote now!
Common RV & Boat Insurance Questions:
Why Do I Need RV & Boat Insurance?
In the event that an accident occurs with your RV or boat, RV and boat insurance can protect you from costly risks and liabilities. We offer customizable policies that can help you afford to recover from any incidents that may occur.
What do RV Policies Cover?
RV insurance will include protection matching the driving and property risks associated with your vehicle. Some of the coverage you might need to carry includes:
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Collision Insurance: Covers damage to your own vehicle after a wreck.
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Comprehensive Insurance: Pays for vehicle damage from non-accident mishaps, like weather damage.
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Medical Coverage: Pays for your medical bills and those of your passengers.
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Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
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Campsite and Vacation Coverage:Covers liabilities associated with using the RV as a vacation property.
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Full Time Residence Insurance: If you live in the RV permanently, turn to this coverage.
Other coverage offers help for roadside assistance, rental car coverage, and expenses protection like emergency hotel bills.
What is Covered Under Boat Insurance?
Boat insurance offers numerous types of coverage, including:
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Physical Damage: This covers the boat and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision.
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Medical Payments: This covers medical expenses for the policyholder and their passengers after an accident.
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Liability Insurance: This covers bodily injury and property damage the boater may cause to someone else in an accident.
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Guest Passenger Liability Insurance: This covers expenses if a permissible passenger causes an accident while operating the boat.
Your plan can also contain a host of other benefits like:
How Much Does RV & Boat Insurance Cost?
Policy rates vary based on multiple factors, including:
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Credit score
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Claims/driving history
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Value of the RV and boat
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Location
Bundling multiple insurance policies with the help of The Bob Putnam Agency can make your coverage more affordable. Ask us today about our multi-policy discount rates, and how we can compare the policies of all the carriers in our network to make sure we get you the most appropriate coverage for your needs.
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