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Whether you’re heading out to cottage country for the long weekend, travelling out-of-province on a cross-country road trip or heading down to the U.S. to explore somewhere warmer, owning an RV is your ticket to freedom. But like all motor vehicles, before you head out onto the open road, you’ll need a Burlington insurance policy for your recreational vehicle to help protect your finances and interests from unexpected challenges along the way.
Get a free quote with the Burlington insurance brokers from BrokerLink today.
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Burlington insurance for RVs is a special type of home and car insurance designed to protect a range of recreational vehicles including Class A, B, and C motorhomes, travel trailers, fifth wheel trailers, truck campers, toy haulers and camper trailers and vans.
In Ontario, motorhomes must be insured and registered as other motor vehicles are. In contrast, towable trailers (including fifth wheel trailers and standard trailers) do have coverage under auto insurance. But this coverage only extends liability protection while your trailer is in transport.
Like car insurance, the type of Burlington insurance you purchase for your RV will depend on factors like its size, weight class, upgrades, how often you travel and more. That said, the mandatory policies you’ll need to have for your RV include:
At least $200,000 of liability coverage to cover you against third-party injuries and property damage.
Accident benefits to ensure you’re reimbursed for medical expenses and lost wages.
Uninsured motorist coverage to ensure you’re covered if another vehicle hits you and they are uninsured or you’re involved in a hit-and-run.
Driving without valid RV insurance in Burlington is illegal and can lead to serious consequences, including large fines, licence suspension, and even vehicle impoundment. Beyond meeting Ontario’s legal requirements, proper coverage protects you from out-of-pocket costs if you’re involved in an accident, your RV is damaged, or a liability claim is made against you.
Owning an RV in Burlington also comes with local risks that can add up quickly. Lake-effect weather off Lake Ontario can bring sudden heavy rain, wind, hail, and ice storms that damage RV exteriors, while busy routes like the QEW, Highway 403/407, and major arterial roads increase collision risk—especially when towing. Storage and campsite exposure matters too, since theft, vandalism, and accidental injuries or property damage can happen whether your RV is parked at home or at a campground, and the right policy helps protect your finances if something goes wrong.
In Ontario, recreational vehicle insurance is legally mandated. At a minimum, you’ll need to carry the following coverage for your travel trailer:
Third-party liability insurance
Accident benefits coverage
Uninsured automobile coverage
Collision coverage
Comprehensive coverage
Contents coverage
Waiver of depreciation
Loss of use coverage
Campsite/vacation liability coverage
Direct compensation - property damage insurance
Accessories endorsement
Roadside assistance coverage
Accident forgiveness coverage
Third-party liability insurance covers you if you cause bodily injury or property damage to a third party while operating your recreational vehicle. A minimum of $200,000 is required; however, most RV owners in Burlington opt for limits up to $1 or $2 million to ensure they are fully protected.
Accident benefits coverage can pay for medical bills, rehabilitation costs, and income replacement in the event that you and others, as outlined in your policy, are harmed in an automobile accident, regardless of fault.
Important note, effective July 1, 2026, Ontario’s auto insurance reform will take effect, introducing changes to the Statutory Accident Benefits Schedule (SABS). Visit our explainer for the upcoming reform for more about what this means to Ontario drivers.
Not all drivers in Ontario follow insurance regulations. Uninsured automobile coverage offers protection to policyholders if they are involved in a collision where the other at-fault driver is uninsured or unidentified.
Collision coverage can cover the cost of repairs or replacements to your RV if you hit another vehicle, a stationary object or roll over. This can come in handy if you’re new to driving an RV or have a newer RV purchase.
Comprehensive insurance offers protection against non-collision-related events. This can include theft, vandalism, fire, water damage, wildlife encounters and storm damage, depending on your insurance company.
Contents coverage is a type of home insurance policy you may want to consider adding if you live in your RV full-time throughout the year. This insurance policy covers your personal belongings stored inside your RV, whether it’s your clothes, electronics, cooking gear or camping gear.
Waiver of depreciation is ideal for newer, high-value RVs. If your RV is totalled in the first few years of ownership, your insurer can compensate you for the entire cost of your RV without considering depreciation.
Loss of use coverage covers temporary accommodations and transportation if your RV is being repaired following an insured claim. This can come in handy if you use your trailer year-round instead of seasonally, or have a big trip planned.
Campsite/vacation liability coverage protects you against accidental injuries or property damage while your RV is parked and being used as a temporary residence. If you have people over to your campsite often, you may want to consider this policy.
Direct compensation - property damage insurance ensures you’re fairly and swiftly compensated following a collision with an at-fault driver. With this insurance policy, you’re able to deal directly with your own insurance provider, rather than the other parties.
Solar panels, satellites, GPS trackers, awnings, bike racks and other aftermarket accessories are expensive. With this endorsement, you can be compensated for the damage or loss of your accessories.
Roadside assistance coverage provides towing, battery boosts, tire changes and lockout assistance if your RV breaks down on the side of the road. This can be especially handy if you’re travelling along remote routes.
One final type of optional travel trailer insurance coverage popular among RV owners is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.
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Travel trailer insurance in Ontario is mandatory. But that doesn’t mean you can’t save a bit of money where you can without compromising your trailer insurance coverage. Here are some of the easiest and best ways to save money when purchasing protection for your RV in Burlington, Ontario:
Bundle your RV insurance with your car insurance, home insurance and business insurance with the same provider. Bundling your policies can help you save up to 15% on your premiums and make managing your different types of policies a lot easier.
According to the Halton Regional Police Department, a total of 1,402 vehicles were stolen in 2024. To lower your risk of RV theft and receive a discount of up to 5% on your travel trailer insurance premiums, consider equipping your trailer with a GPS tracker, wheel lock and monitored alarm system. Aim to store your RV in a secure garage, driveway, or storage unit to lower your risk exposure as well.
Most insurance companies in Ontario offer discounts to drivers who take a defensive driving course. Taking one of these courses shows insurance companies you’re making efforts to being a safe and responsible motorist, which can qualify you for a discount of up to 5%.
Seasonal lay-up insurance allows you to drop your mandatory insurance policies like liability, accident benefits and uninsured motorist during the wintertime while your RV is not in use while maintaining your comprehensive protection. Adding this to your policy can reduce your rates while still ensuring you’re safeguarded from unexpected losses arising from theft, vandalism, fire and severe weather damage.
The best way to keep your insurance premiums as low as possible is to remain claim-free. The longer you go without a claim on your file, the more you’ll save on your rates.
A deductible is the amount of money you need to pay to your insurance company when filing a claim before they’ll cover any remaining expenses. By increasing your deductible from $500 to $1,000 or higher, you’re agreeing to take on more of a financial responsibility and in return, your provider will lower your rates.
Insurance companies add a surcharge to customer accounts who choose to pay for their travel trailer insurance premium on a monthly basis, as it costs them money to process each payment they receive. By opting to pay for your insurance upfront, you can avoid these fees.
Burlington insurance quotes can differ between providers as they all use different underwriting practices when calculating rates. To ensure you’re getting the best coverage and rates available, compare quotes form multiple companies beforehand.
Burlington insurance brokers work independently from insurance companies. Because they aren’t tied down to a single provider, they have the ability to shop around on your behalf, compare travel trailer insurance quotes, and customize coverage that fits your unique needs. The best part of all? Working with Burlington insurance brokers like BrokerLink is completely free, so you can access their services at any time!
Your insurance needs can change over time. Review your policy annually to ensure it still fits your needs. You might find you’re paying for coverage you no longer need or discover areas where you need more protection.
The amount you pay for RV insurance depends on your risk profile as a driver. The greater your risk level, the higher your insurance rates will be, and vice versa. Insurance companies in Burlington calculate premiums using a variety of factors, including:
The type of RV you own, its vehicle class, and value are all major variables that affect insurance costs. For example, regular travel trailer premiums normally range between $300 and $600 per year, whereas Class A, B, and C can expect the following:
Class A: $1,500 to $3,000, or more per year.
Class B camper vans: $700 to $1,200 annually.
Class C motorhomes: $1,000 to $1,800 for the year.
The larger and more valuable an RV is, the more insurance coverage you’ll need, which will cost you more.
Your driving record is also important. If you have several accidents, traffic citations or convictions on your driving record, insurance providers will consider you a higher-risk customer, resulting in higher premiums. On the other hand, those with clean driving histories and no prior convictions are likely to see lower rates.
Those who live in their RV year-round have greater exposure to risks than those who utilize their trailers seasonally. Additionally, the greater amount of time you spend on the road and at campgrounds, the more likely you are to be involved in an accident or file a claim, which will affect your insurance costs.
Safety precautions and where you keep your RV while not in use will also be assessed. Keeping your RV in a safe garage or storage site with safety features reduces your risk profile, resulting in cheaper rates. On the other hand, leaving your RV unsupervised on your driveway, in your backyard or on the road raises the likelihood of a claim, which can boost your risk profile and rates.
The greater number of claims you have on insurance history, the more likely you are to submit another one in the future, meaning you’ll have to pay more for insurance than consumers who have no past claims on their insurance record.
Burlington residents may expect to pay more for their coverage than those who live in more rural locations due to higher congestion and claims statistics.
If you frequently take your RV out of province or outside of Canada to the United States, your insurance premiums may be higher than those of someone who travels small distances close to Burlington.
Head out on your next adventure with confidence knowing your RV and finances are protected. At BrokerLink, our Burlington insurance brokers have years of experience partnering with RV owners throughout the GTA.
We’ll help you find affordable insurance coverage tailored to your needs by discussing what really matters to you and your family.
Contact BrokerLink by phone or email to speak directly with an insurance broker in Burlington, or get a free insurance quote right now using our online quote tool.
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Yes, RV insurance is mandatory in Ontario. All RV owners must carry a minimum of $200,000 in liability coverage, accident benefits and uninsured motorist insurance to comply with Ontario traffic regulations. Driving without insurance can lead to serious fines, a licence suspension, significant out-of-pocket expenses and other consequences.
Yes, you can pause your recreational vehicle insurance during the wintertime while it’s being stored during the cold months of the year. With a seasonal layup endorsement added to your policy, you may be able to drop your third-party liability coverage and other mandatory policies while maintaining your comprehensive insurance to lower your insurance rates.
To insure the contents within your recreational vehicle are protected from losses and damages like theft, vandalism, fire and weather damage, you’ll need to request content coverage from your insurance provider or insurance broker.
Your auto insurance will only extend liability protection to your trailer while it is being towed. You will need to purchase separate travel trailer insurance to ensure you’re covered against property damage and other losses.
Yes, most travel trailer insurance in Ontario does allow you to travel across the border while maintaining insurance coverage. You should, however, check with your insurance company to confirm your policies and coverage limits extend outside of Ontario. Review this RV checklist before embarking on your next adventure.
Yes, you can rent your recreational vehicle to others. However, you will need to purchase separate business insurance for your RV to help protect against liabilities that may arise while others are operating your vehicle. Speak with a Burlington insurance broker about adding commercial insurance to your standard policy.
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