Boat, RV & Recreational Insurance – Enjoy Central NY Outdoors Safely
Central New York is built for adventure: summer days on Oneida Lake, fishing trips across the Finger Lakes, pontoon afternoons on Lake Ontario, and weekend RV escapes to the Adirondacks. Those memories are worth protecting. Whether you own a fishing boat in Oswego, a camper stored in Clay, or personal watercraft at a dock in Skaneateles, CNY Agency can help you insure the toys that make Upstate living great. We compare
boat insurance in New York, RV insurance in Upstate NY, and
jet ski insurance in Central NY across multiple carriers so you can focus on fun—not paperwork.
Insurance for All Your Adventures
Different toys, different risks. Boats face storm damage at the marina. RVs act like vehicles on the road and like homes at the campground. Jet skis are quick, fun—and easy to damage (or steal). ATVs and snowmobiles see seasonal, off-road use and need the right liability protection. Tell us what you own and how you use it; we’ll build coverage around real life in Central NY.
Planning a new purchase? Reach out before you sign so we can estimate insurance costs and proof-of-coverage requirements. Start on our
Contact page.
Boat & Personal Watercraft Coverage Explained
A good watercraft insurance policy can help with repairs, medical bills, and liability costs that arise on the water. We’ll tailor coverage for everything from bass boats and sailboats to pontoons and jet skis.
Key coverage options include:
Liability Coverage
If you injure a swimmer, damage another vessel, or hit a dock. Many marinas and storage facilities require proof.
Physical Damage / Hull Coverage
Repairs or replacement if your boat is damaged by collision, storm, or submerged object; includes motor and attached equipment (limit varies).
Comprehensive Perils
Theft, vandalism, fire, weather, lightning strikes, and transport damage while trailering.
Fuel Spill Liability
Required or recommended by certain marinas; helps cover clean-up costs.
Wreck Removal
Costs to remove a sunken vessel—critical on deeper lakes.
Medical Payments
Limited coverage for injuries to you or passengers.
On-Water Towing & Assistance
Get hauled in when the engine quits miles from shore.
Trailer Coverage
Damage to the trailer used to haul your boat.
Ask about navigation limits (which waters are covered), lay-up dates, hurricane haul-out credits (if applicable), and winter storage protections for iced-in boats.
RV & Camper Insurance – Your Home on Wheels
Motorhomes and towable campers aren’t just vehicles; they’re rolling living spaces. Standard auto insurance usually isn’t enough. Proper RV insurance in Upstate NY should consider both driving risk and campsite living.
Coverage options include:
Liability on the Road
Required for motorized units; protects you if you cause an accident.
Physical Damage (Collision & Comprehensive)
For the rig itself: collisions, fallen branches, theft, vandalism, hail.
Personal Property / Contents
Clothing, cookware, outdoor gear, tools, and tech you keep in your RV.
Vacation Liability
Covers injuries to guests while the RV is parked and used as a temporary residence at a campground.
Full-Timer’s Package
For people who live in their RV most of the year; adds coverages similar to homeowners liability.
Roadside Assistance / Towing
Especially important for large Class A or diesel pushers.
Attached Accessories
Awnings, satellite dishes, solar panels, custom cabinetry.
Heading from Syracuse to the Adirondacks? Pulling a travel trailer to state parks? We’ll help you meet New York’s insurance requirements and protect what you bring along.
Other Recreational Vehicles & Powersports
If it rolls, floats, or flies down a trail, ask us about coverage. We can help insure:
Personal watercraft / jet skis
- Pontoon & fishing boats
- Canoes / small sail craft (coverage varies)
- Class A, B & C motorhomes
- Travel trailers & pop-ups
- Fifth wheels & toy haulers
- ATVs & UTVs
- Snowmobiles (Tug Hill riders, we see you)
- Off-road motorcycles & trail bikes (see also our Motorcycle Insurance page)
Not sure where your toy fits? Call us—we’ll guide you.
Seasonal Storage & Winterization Considerations
In Central NY, most boats and recreational vehicles hibernate. Insurance shouldn’t. Tell us how you store:
- Indoor heated storage vs. shrink-wrap outdoors
- Marina dry stack vs. in-water slip
- Barn, pole building, or driveway parking for campers
- Theft prevention measures (locks, alarms, blocked trailers)
Many carriers allow lay-up periods, reduced-use rating, or coverage adjustments during winter months—without leaving you exposed to theft, fire, or collapse damage. We’ll help configure your policy so you’re protected even when the season ends.
Safety, Discounts & Ways to Save
Recreational policies can be more affordable than you think—especially when you stack available credits:
- Boating safety course completion
- RV driver safety / defensive towing classes
- Multi-vehicle or multi-watercraft policies
- Bundle with auto, home, condo, or renters (ask us to combine—see Auto Insurance and Homeowners Insurance)
- Responsible operator / claims-free discount
- Approved anti-theft or GPS tracking devices
- Storage out of water or off-season garaging
We’ll compare discounts across carriers to help maximize savings.
Why Insure Your Toys Through CNY Agency
- Independent & multi-carrier – We quote several insurers that specialize in boats, RVs, and powersports.
- Local outdoor knowledge – We understand Finger Lakes marinas, Adirondack camping, Lake Ontario storms, and seasonal storage realities.
- One point of contact – Manage boat, RV, home, and auto in one place.
- Help when things go wrong – Storm-damaged hull? Tree on the camper? Call us—you’ll talk to a local team that digs in and helps move the claim forward.
- Coverage fit over copy-paste – We read the fine print so your boat trailer, RV contents, or jet ski liability aren’t accidentally underinsured.
Frequently Asked Questions – Boat & RV Insurance in NY
Is boat insurance required in New York?
While boat insurance isn’t legally required for all watercraft, many marinas and lenders require it, and having coverage is essential to protect against accidents, theft, or storm damage.
What does a boat insurance policy cover?
A standard policy can include liability, collision, comprehensive (theft, fire, storm damage), medical payments, and coverage for equipment or trailers. We’ll tailor coverage based on how and where you use your boat.
Do I need special insurance for my RV or camper?
Yes. RVs and campers need coverage beyond a standard auto policy because they serve as both a vehicle and living space. We offer liability, collision, comprehensive, and contents coverage for RVs.
Can I bundle my recreational vehicle insurance with my home or auto policies?
Yes. Bundling boat or RV coverage with your home and auto insurance can save you money and simplify policy management.
Do you cover ATVs, snowmobiles, or jet skis?
Yes. We provide custom policies for ATVs, snowmobiles, jet skis, and other recreational vehicles, tailored for year-round or seasonal use.
Chart Your Course – Get a Quote Before Your Next Trip
If you’re launching, trailering, or heading out for camping season, now’s the time to line up coverage. Quotes are fast, and we can often coordinate proof of insurance for marinas, storage yards, and campgrounds the same day.
Start now on our Contact page (choose “Boat / RV Quote”). Want to see how these fit into your broader insurance plan? Visit our Personal Insurance Overview or ask about adding extra liability protection with an Umbrella Policy.
Enjoy the water. Enjoy the road. We’ll help protect the adventure.