This personal auto & motorized toys insurance guide covers more than the car in your driveway,
Personal Auto
What Are the Minimum Car Insurance Requirements in New York?
New York’s minimums haven’t changed since 1995, and for most drivers, they aren’t enough. Read the full article →
Comprehensive vs. Collision: Do I Need Both?
They cover entirely different kinds of damage, and dropping one without understanding the other can leave a real gap. Read the full article →
Does Auto Insurance Follow the Car or the Driver in New York?
Generally the car, not the driver, which matters the moment someone else is behind the wheel. Read the full article →
How Much Does It Cost to Add a Teen Driver to My Policy in New York?
The real driver of cost is inexperience, not age, and the difference between adding a teen to your policy versus a standalone one is significant. Read the full article →
What Happens After a Car Accident in New York?
Two separate systems handle your claim, no-fault for medical bills and liability for property damage, and knowing which applies to what avoids real confusion. Read the full article →
Does My Personal Auto Policy Cover My Trailer?
Only partly. Liability follows the trailer while it’s hitched, but physical damage coverage has to be added separately. Read the full article →
Boats, Toys, and Everything Else in the Garage
Does My Homeowners Policy Cover My Boat, or Do I Need Separate Coverage?
Mostly no. Homeowners coverage for watercraft is built for a rowboat, not the boats most Hudson Valley families own. Read the full article →
Yacht Insurance: What Changes Once Your Boat Crosses 27 Feet?
Hull values, liability exposure, and coverage pieces a standard boat policy never touches all change once a vessel crosses this line. Read the full article →
What Insurance Do I Need for My RV or Motorhome in New York?
Motorhomes need liability like a car. Travel trailers work completely differently, and full-time use changes the coverage picture again. [Read the full article →]
Do I Need Insurance for My Golf Cart in New York?
It depends entirely on the cart and where you drive it, a standard cart versus a street-legal Low-Speed Vehicle are two different situations. Read the full article →
What Insurance Do I Need for My ATV or Quad in New York?
Required the moment you ride anywhere other than your own property, even onto a friend’s land with permission. Read the full article →
Do I Need a Different Policy for My UTV or Side-by-Side Than My ATV?
Often yes, since size and passenger count can push a UTV outside New York’s legal definition of an ATV entirely. Read the full article →
What Are New York’s Motorcycle Insurance Requirements?
Motorcycles are excluded from New York’s no-fault system entirely, which changes how a rider recovers costs after an accident. Read the full article →
What Are New York’s Snowmobile Insurance Requirements?
Set under a completely different statute than auto or ATV coverage, with some of the lowest liability minimums of any powered vehicle in the state. Read the full article →
Still Have a Question?
If you own something with an engine that isn’t listed above, there’s a good chance we can still insure it. Ask us directly rather than assuming it doesn’t fit anywhere.
We’ve been doing business this way in the Hudson Valley for over 80 years. If you want a straight answer about what’s covered, call us. No phone tree, no pressure, just a straight answer.