Travel Trailer Insurance Agencies in New York

New York at a glance

• 91travel trailer insurance agencies listed
• 45.7%of households rentRenters insurance
• $423,800median home valueHome insurance
• 1959median year homes were builtRebuild cost calculator
• 29.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across New York

How many of New York’s 62 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Lightning20 of 62 counties

  Very High in Kings County, Westchester County, Suffolk County and 1 more.

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in New York
• Winter weather18 of 62 counties

  Very High in Kings County, Queens County, Erie County and 7 more.

• Ice storm17 of 62 counties

  Very High in Nassau County, Onondaga County, Suffolk County.

• Strong wind15 of 62 counties

  Very High in Kings County, Queens County, New York County and 3 more.

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in New York
• Inland flooding11 of 62 counties

  Very High in Kings County, Queens County, New York County.

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in New York
• Hurricane7 of 62 counties

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in New York

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in New York

New York requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($50,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident). New York is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in New YorkHow much liability cover do you need?

Source: dfs.ny.gov. Checked 2026-10-24.