Motorcycle, boat, RV and snowmobile insurance

Liability at the same minimums as a car ($25,000/$50,000 bodily injury, $10,000 property damage) and uninsured motorist coverage. New York's no-fault law does not apply to motorcycles, so there's no PIP: your own medical bills after a crash come from your health insurance or optional medical payments coverage, which is why I recommend adding it.

Only barely: physical damage to small boats is capped at a low limit printed in the homeowners policy, and liability is limited to small, low-horsepower boats. Anything with a real motor, and any boat kept at a marina or slip, needs its own policy for hull, liability, towing and, on the Great Sacandaga, the trailer between the driveway and the ramp.

Yes, and the rules are statewide, so they're the same on Warren County trails as in Saratoga County. New York State Parks says snowmobilers must carry liability coverage of at least $10,000 for an accident involving one person, $20,000 for two or more people and $5,000 for property damage, and must carry registration and proof of insurance while riding. Vehicle and Traffic Law §2407 requires an ATV operated off the owner's own land to be insured by a carrier authorized in New York. Those minimums are low and homeowners policies exclude both off premises, so I quote a specialty policy with higher liability that also covers theft, one of the most common snowmobile claims.

A motorhome needs auto liability plus coverage for the living quarters, contents, awnings and equipment, and often full-timer or vacation liability if you live in it or park at campsites. Travel trailers get liability from the tow vehicle but need their own physical-damage policy. Agreed-value settlement and total-loss replacement are worth having on newer units.

A collector-car policy pays an agreed value set when the policy starts, not the depreciated actual cash value a standard auto policy pays, and it costs less because the carrier limits use to pleasure driving, shows and club events, often with a mileage cap and a garage requirement. New York's historical plates are separate: the DMV issues them to vehicles made more than 25 years before the current year and used only as a collector's item, not for daily transportation. The plate doesn't change the insurance the law requires, and the policy doesn't require the plate.

It depends on the boat's age and what you'd need to replace it. Actual cash value is the replacement cost minus depreciation, the definition the Department of Financial Services uses, so an older boat's payout after a total loss can be far less than a comparable boat costs to buy. Agreed value fixes the amount when the policy starts, from the purchase price, a survey or an appraisal, and pays that amount after a total loss, usually for a higher premium; it suits newer boats, restored classics and anything with expensive equipment. Many hull policies settle partial losses differently from total losses, and some depreciate sails, canvas and engines, so I read that section with you before choosing.

Two state rules, neither of them insurance: any boat with a motor of 10 horsepower or more must be registered with the Lake George Park Commission and display its decal, on top of the normal state registration, and Brianna's Law requires every operator of a motorized boat, including a personal watercraft, to have completed a state-approved boating safety course and to carry the original certificate on board. For insurance, a lake boat that friends and family also drive needs liability limits that match your umbrella, and I check whether the policy covers every operator you allow and fuel or oil spill cleanup.

Most specialty carriers price motorcycles and boats for a seasonal layup automatically, so you don't need to cancel and re-buy, which would create gaps and lose your continuous-coverage discount. Comprehensive should stay on all year for theft, fire and the tree that falls on the garage.