From coast to coast, Canadians are passionate about their favorite outdoor pastime, camping. Recreational vehicles (RVs) are a great way to experience the outdoors while being mobile and enjoy the comforts of home. It’s important to protect your RV just like you would protect your home with proper insurance coverage. We break down the coverage you need for your motorhome, fifth wheel, trailer, or camper.
Whether you’re hauling a trailer to different camping spots this summer or parking it on a seasonal site, you need insurance coverage. It’s important to have the right coverage and a customized policy for accident-related damages, theft, vandalism and liability.
Coverage can extend from your home and auto insurance policies; however, with coverage limits you’re better off getting a customized RV policy to meet your needs. With RV insurance, your unit may be insured to a full replacement cost in the event of damage depending on the insurance provider. It’s also important to have liability coverage in the event you are responsible for damage or injury to another vehicle or property.
As the weather in Canada can be unpredictable, the risk of flooding exists. Depending on the insurance provider and whether it’s parked or not, flood coverage and sewer back-up may be available but does vary by insurance provider. Some insurance providers also provide additional coverage such as roadside assistance, optional travel medical coverage, and trip interruption. Best to speak to a BrokerLink broker to confirm the coverage available to meet your needs. As we work with many leading insurance companies, we shop the market to find the best coverage for the best possible value. If you plan to park your RV on a site for the season, be sure to share this with your broker and provide the legal land description as this information is required for coverage.
If you’re still concerned about flooding, many provinces and US states offer mobile phone apps to receive real time updates and advisories. The benefit being if you are planning a trip or you’ve left your unit on a site for seasonal use, technology can help you stay in the know if there is a risk of flooding in an area. Check your local government sites for apps available. Hauling your trailer, RV, or camper isn’t just for summer and many Canadians hit the open road to celebrate retirement in warmer climates throughout the US and Mexico. Customized coverage and policies are all available, so be sure to speak with a BrokerLink broker on options.
Now that the weather is getting better, time to hook up the RV and spend quality time enjoying the outdoors. Even better when you can rest easy knowing you’re properly protected with RV insurance. Get a free RV, trailer and camper insurance quote by contacting one of our local insurance experts.