Comprehensive RV and Trailer Insurance
Get Protection on the Road Now
Whether you’re embarking on a cross-country road trip or spending weekends camping in Ontario’s picturesque landscapes, your RV or trailer is much more than just a vehicle—it’s your home away from home. While these adventures offer freedom, they also come with risks. Ensuring that your RV or trailer is properly insured means you can enjoy the open road without worrying about unexpected events.
At Best Buy Insurance, we understand that every RV and trailer owner has different needs. That’s why we offer flexible, comprehensive insurance solutions designed to fit your lifestyle. From mandatory liability insurance for motorhomes to specialized coverage like roadside assistance, we’ve got the protection you need to feel confident wherever your travels take you.
Why Do You Need RV or Trailer Insurance?
In Ontario, insurance requirements for RVs and trailers depend on the type of vehicle you own. If your RV is motorized, such as a Class A, B, or C motorhome, it is legally required to have its own insurance policy, like auto insurance. This includes mandatory coverage like third-party liability, accident benefits, uninsured motorist coverage, and direct compensation for property damage (DCPD).
However, trailers such as travel trailers, fifth wheels, and pop-up campers are not required to have their own insurance policy when being towed. Instead, liability coverage typically extends from the towing vehicle’s auto policy. Once your trailer is unhooked, though, it’s no longer covered, which is why it’s essential to consider additional insurance specifically for your trailer.
Types of Coverage: RVs and Trailers
To help you choose the right protection for your RV or trailer, here’s an overview of the common coverage options available:
1.Mandatory Coverages:
- Third-Party Liability:
Protects you if you’re at fault in an accident that causes injury or property damage to others. - Accident Benefits:
Covers medical expenses, rehabilitation, and income replacement if you’re injured in an accident, regardless of fault. - Uninsured Motorist:
Offers protection if you’re in an accident with an uninsured driver or a hit-and-run incident. - Direct Compensation for Property Damage (DCPD):
Covers damage to your RV when another driver is at fault, as part of Ontario’s no-fault insurance system.
2. Optional Coverages
- Collision Coverage:
Protects your RV or trailer from damage caused by a collision with another vehicle or object. This is especially valuable if your RV or trailer is expensive to repair or replace. - Comprehensive Coverage:
Covers non-collision-related damage, such as theft, vandalism, fire, weather events, or hitting an animal. - All Perils Coverage:
A more inclusive option that combines collision and comprehensive coverage to protect your RV or trailer from all risks, unless specifically excluded in your policy. - Contents Coverage:
Your RV or trailer is not just a vehicle; it’s also your home on the road. This coverage protects personal belongings inside, such as electronics, camping gear, or appliances.
3. Specialty Coverage for RV Owners
- Emergency Vacation Expenses:
If your RV or trailer becomes unusable due to damage while you’re traveling, this coverage will help cover additional travel expenses like lodging and meals until repairs are made. - Roadside Assistance:
Provides towing, battery boosting, flat tire service, and more if your RV breaks down on the road. Some plans also include trip planning services, pet assistance, and even emergency medical advice. - Campsite Liability:
Designed for those who frequently park their RV or trailer at campgrounds, this covers damage caused to the campsite or injuries sustained by others.
Trailer Insurance Considerations
While trailers do not require separate insurance when being towed, insuring them is still highly recommended. When parked or unhooked, trailers can still be exposed to risks like theft, weather damage, or accidents. A dedicated trailer insurance policy will cover these scenarios, ensuring you’re not left with unexpected repair or replacement costs.
Standalone Trailer Policies
- Vacation Trailer Insurance:
If your trailer is a vacation home for part of the year, adding it to your home insurance as a vacation trailer might be a convenient option. This would cover your trailer while parked at a campsite or stored. - Replacement Cost:
Ensure your trailer or RV is replaced with a new model if it’s written off due to an accident, rather than just receiving its depreciated value.
How Much Does RV and Trailer Insurance Cost?
The cost of RV and trailer insurance in Ontario can vary based on several factors, including the type of vehicle, its value, how frequently you use it, and your driving history. On average, RV insurance can range from $600 to over $2,000 annually, while trailer insurance typically falls between $300 and $1,000 per year.
Other factors influencing your premium include:
- Vehicle Class:
Class A motorhomes tend to have higher premiums due to their size and value, while Class B or C motorhomes may have lower rates. - Usage:
Frequent use of your RV or trailer will increase your risk exposure and, consequently, your premiums. - Storage:
Where you store your RV or trailer during the off-season can affect your rates. Keeping it in a secure, covered location may qualify you for discounts.
The Right Insurance for Your RV or Trailer
Selecting the right insurance for your RV or trailer can feel overwhelming, but it doesn’t have to be. At Best Buy Insurance, we’re here to help you navigate your options and build a policy that meets your unique needs. Whether you’re a weekend warrior or a full-time road adventurer, we’ll make sure you have the protection you need to enjoy your travels worry-free.
Why Choose Us?
When you choose Best Buy Insurance, you’re not just getting a policy — you’re getting a partner who understands the RV and trailer lifestyle. We offer:
- Tailored Coverage:
We work with you to customize a policy that fits your RV or trailer, your travel habits, and your budget. - Competitive Rates:
By partnering with multiple insurance providers, we can shop around to find you the best rates for your coverage needs. - Expert Advice:
Our team of experienced brokers is here to answer your questions and help you make informed decisions about your insurance. - 24/7 Claims Support:
Accidents don’t wait for business hours, and neither do we. Our dedicated claims team is available around the clock to assist you whenever you need help.
Get a Quote
We’ll help you find the right coverage at a price that fits your budget, so you can focus on enjoying the journey ahead. Protect your home on wheels with the insurance coverage you deserve.
RV and Trailer Insurance FAQs
RV insurance covers collision, comprehensive, and liability coverage. You can also add coverage for personal belongings, roadside assistance, and total loss replacement for new RVs.
Yes, if your RV is motorized, you’re required by law to have liability coverage. Non-motorized trailers typically don’t require insurance, but it’s recommended to cover damages.
Yes, many providers offer specialized coverage for full-time RVers that includes liability protection similar to homeowners insurance, as well as additional coverage for personal belongings.
Most comprehensive RV policies cover permanently attached accessories, such as awnings and satellite dishes. However, you may need to add specific riders for expensive or specialized equipment.