Do I Need RV Insurance?

An RV or Recreational Vehicle, is a great way to explore the great outdoors and embark on an adventure. Before you begin your journey, you may be wondering if you need to have insurance for your RV.

In Ontario, if you own an RV, like a class A motorhome, that is self propelled then you are legally required to have insurance. If you own an RV, like a travel trailer, which is hitched to your towing vehicle, then the insurance coverage and liability extends from the towing vehicle. This means that if you are only using standard auto insurance for your motorhome or travel trailer, your coverage will be quite limited and will not cover features like roadside assistance, contents coverage, and more.

Types of RVs Covered by an Insurance Policy

When considering getting insurance coverage for your RV, it’s important to note that most RVs are insurable. Depending on whether your RV is a motorhome or not will determine if you need separate auto insurance or not. Each motorhome class (Class A, B, and C) will need separate auto insurance. Below are images of a variety of the most popular RVs on the roads.

Travel Trailers

Fifth Wheel Trailer

Pop-Up Tent Trailer

Class A Motorhome

Class B Motorhome

Class C Motorhome

Below we outline the benefits of having RV Insurance. 

Benefits of RV Insurance

That is why it is important to consider not only covering your RV for when you’re on the road, but also when you are parked and enjoying the wilderness, parks, or other locations.

Insurance requirements may differ, depending on your motorhome or travel trailer. Depending on your insurance provider, coverage policies will provide different inclusions, but we recommend that your policy at least covers the following:

• Basic Emergency roadside assistance, including:
  • Towing
  • Battery boost
  • Flat tire service
  • Fuel Delivery
• Emergency vacation expense coverage
• Automatic appliance warranty extension
• Loss or damage to motorhome caused by natural events (fire, hurricane, etc.)
• Contents of the motorhome
• Coverage for detached portions (deck, shed, etc.)

If you are an avid RVer or want to ensure that your RV is fully covered, you may want to consider the following optional coverages:

• Upgraded emergency roadside coverage
• Third-party automotive liability
• Personal effects coverage

Most insurers will also provide various discounts to your RV insurance policy if you have other types of policies with them. Common discounts available include:

• Bundling your home, vehicle, and RV
• Satellite tracking enabled on your RV
• Installing or having a security device in your RV

In combination with having standard auto insurance, an RV insurance policy will ensure you have peace of mind and can enjoy your trip to the fullest.

Frequently Asked Questions for RV Insurance

Why should I get motorhome insurance?

Although standard auto insurance will cover you and your RV on the road, it will not cover you when you are parked. Motorhome insurance provides you with peace of mind, knowing that your RV and all your belongings are covered when you are parked and enjoying the outdoors.

Does an insurance policy cover my RV if it breaks down?

Yes. Basic roadside assistance will cover towing, flat tires, dead batteries, and fuel delivery. Upgrading to extended emergency roadside assistance will provide greater towing distances, travel and vacation medical advice, pet coverage, and more.

Does a policy cover my belongings inside the RV? What about outside the RV?

Yes. The contents within your motorhome are covered. You can also add additional coverage for personal belongings, like electronics and more. With an RV policy, detached portions are covered as well (e.g. shed, table, etc.). RV insurance also covers natural emergencies like hurricanes and fires.

Will an insurance policy pay if my RV has to be replaced after a claim?

Yes. Your RV will be paid for if your motorhome or RV has to be replaced. By opting into a guaranteed replacement cost coverage you can travel with complete peace of mind knowing that you are fully covered.

If you are looking for insurance for your RV or trailer, contact our team today to get the best coverage for your needs. Give us a call, we’re happy to help answer your questions.