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Known as Saskatchewan’s border city, Lloydminster residents have a deep-seated love for exploring the local community and surrounding areas with the RV. From weekend getaways to Narrow Hills Provincial Park to longer trips down south to Moose Mountain Provincial Park. But like any time of motorized vehicle, your motorhome, trailers, and campers are vulnerable to risks like hail damage, collisions, and theft, especially when you’re parked or travelling along the highway. That’s where RV insurance comes in handy.
Get a free quote today with BrokerLink and protect your RV before heading across Canada on your next road trip.
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RV insurance is a specialized type of coverage designed for recreational vehicles, like camper vans, travel trailers, utility trailers, motor homes, and fifth wheels. Unlike standard car insurance or home insurance, RV coverage combines protections from both, and includes protections like:
Liability insurance: To protect you if you cause bodily injuries or property damage to a third party.
Collision: Covers damage to your RV in the event of an accident, regardless of fault.
Comprehensive: Safeguards you against fire, hail, high winds, theft, vandalism, and other extreme weather events.
Contents: Insures your personal belongings stored in your RV.
RV owners in Saskatchewan are legally required to have a minimum of $200,000 third-party liability insurance through Saskatchewan Government Insurance (SGI). However, most lenders, campgrounds, and seasonal RV storage facilities will require proof of insurance as a condition of your agreements.
Because RVs are both vehicles and dwellings, they face some unique risks that make specialized coverage essential. Lloydminster RV owners also face unique location risks due to the province’s unique weather conditions and roadways. Some local risks you’re exposed to include:
Severe weather: According to the SGI, the province experiences over 10,000 hail-related insurance claims each year. Lloydminster and nearby areas are particularly exposed to hail, wind, heavy rain, and lightning damage during the summertime.
Theft and vandalism: RV thefts and break-ins are common in rural areas of Saskatchewan, including Lloydminster. In fact, in 2023, Statistics Canada reports that 33,597 incidents of property crime were reported in rural zones. Storing your trailer in an unsecured lot or leaving it parked on your acreage can invite theft risks, making comprehensive coverage essential
Highway and rural road hazards: Sitting along Highway 16, this stretch of road is one of the busiest in the eastern province. Whether it’s collisions, wildlife impacts, or gravel debris, all of these instances can cause costly damage to your RV.
Fire damage: Whether you’re parked at Sandy Beach or Jubilee Regional Park, a single fire or electrical issue could total your recreational vehicle, leaving you to pay out of pocket for any repair or replacements.
Cross-border travel: Many Lloydminster RV owners enjoy trips to warmer destinations across Canada during the winter. Whether you’re heading to B.C., exploring Alberta, or travelling down to the U.S., travel endorsement ensures you’re covered while out of province.
Under SGI, all motorhomes require basic plate insurance. Beyond this, owners can opt for add-on insurance coverage and policies to fit their specific needs. Here’s a closer look at what basic plate insurance in Saskatchewan entails:
Third-party liability insurance
Accident benefits (personal injury protection plan)
Limited all perils coverage
Collision insurance
Comprehensive coverage
Contents coverage
Loss of use insurance
Roadside assistance
Accessory protection
Full-timers insurance
Cross-border travel insurance
Agreed value vs actual cash value
Third-party liability coverage protects you if you cause bodily injuries to someone else or damage another person’s property while operating your RV.
Personal injury protection plans, commonly referred to as accident benefits, will reimburse you for medical expenses, rehabilitation, and income replacement if you, your passengers, or pedestrians are injured in a car accident, regardless of who is at fault.
All perils insurance reimburses owners for RV damages caused by a crash or a non-collision incident, including theft or vandalism. However, this coverage has limitations and would most likely not cover all of your expenses should severe damage occur, which is why most owners purchase separate insurance coverage. The deductible for this policy is $700, but you may lower it by selecting optional insurance protection from a private insurance company.
Collision insurance will pay for repair or replacement costs in your RV collides with another vehicle, object, or rolls over. Given that Saskatchewan has a mix of gravel and rural highways, which can cause dangerous driving conditions, collision coverage is essential. Otherwise, you may be paying out of pocket for any incurred costs that are not covered by your limited all-perils coverage.
Comprehensive coverage is also an extension of your all-perils coverage provided through SGI. This policy protects against theft, vandalism, fire, and severe weather conditions. Given how severe the provinces’ storms can be, adding additional comprehensive coverage, especially in the winter when your RV may not be in use, can come in handy.
Contents coverage, also known as property insurance, is a type of house insurance policy that protects the personal belongings stored in your RV. Whether it’s your clothing, camping gear, electronics, or cookware, with this insurance in place, your personal possessions will be compensated if they are damaged or stolen from your RV.
Imagine you’re planning the road trip of a lifetime to eastern Canada when your RV is hit by another driver, rendering it out of commission for the foreseeable future as it undergoes extensive repairs. While most owners would have to cancel their trip, those with loss of use coverage can continue forward with peace of mind. If your travel trailer needs repairs due to a covered claim, loss of use coverage will cover the cost of renting a vehicle or accommodations while it undergoes repairs, ensuring you don’t miss out on your road trip.
Imagine you’re travelling east from Lloydminster to Narrow Hills Provincial Park when all of a sudden you get a flat tire in the middle of the night. There’s no one around to help, so what do you do? That’s where roadside assistance comes in handy. Roadside assistance delivers immediate support for flat tires, dead batteries, fuel delivery, and towing if your RV encounters a technical problem while on the road.
Accessory insurance protects any RV accessories that you have purchased for your travel trailer. Add-ons like rooftop solar panels, bike holders, awnings, and GPS devices are all expensive, especially if you are forced to replace them yourself due to an event beyond your control. With accessory coverage, your insurer will pay for whatever replacements or repairs are needed following a covered loss like a high wind storm that rips your awning.
Do you live in your RV all year-round? If so, you’ll need to purchase full-time insurance. This endorsement is a combination of home insurance and auto insurance, protecting your contents, living expenses, and interests against liabilities that may arise.
Thinking of taking a trip to one of Alberta’s many provincial RV parks or down south to the U.S.? Given Lloydminster’s proximity to the Alberta border, travelling beyond Saskatchewan makes sense! With a cross-border trip policy, your RV insurance policy will be extended to safeguard you while travelling elsewhere in Canada and the United States.
Agreed value insurance coverage enables you to set a replacement value for your RV at the time of purchasing your coverage. For example, $150,000. If your RV is written off following a covered loss, an agreed value plan will reimburse you for the agreed-upon value of $150,000.
An actual cash value, on the other hand, takes depreciation into account, which implies that if your RV is written off due to a covered loss, you may not be completely compensated for its purchase price. In this case, let’s say your insurance company only compensates you $100,000, as your RV is 5 years old. Not as good a return, right?
Actual cash value plans often have cheaper rates than agreed value plans, but they provide less financial protection if a loss occurs. If you have a newer RV, opting for an agreed value plan is recommended as it ensures you’ll be fairly compensated for your recreational vehicle if a total loss occurs.
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Owning an RV is a major investment, and purchasing the right insurance package for your RV is an added cost that’s a non-negotiable. That being said, while insurance isn’t something you should skip out on, there are ways you can lower your premiums without compromising your coverage. Here are some practical tips you can use the next time you’re up for a renewal:
Bundle your vehicle insurance, business insurance, home insurance, and RV insurance policies with the same insurance company in Saskatchewan to qualify for discounts of up to 15% on your premiums.
If you can, consider storing your RV indoors in a secure garage or storage facility rather than your driveway or yard. Beyond this, equipping your RV with an alarm system, security cameras, wheel locks, and GPS tracking devices can also help reduce your risk of theft, which in turn will make you eligible for a 5% discount with your insurer.
Maintaining a claim-free record is the best strategy for keeping your insurance premiums as low as possible. And the longer you go without submitting a claim, the less you’ll pay over time. To maintain a good driving record and avoid claims, consider taking a safe driving course. Many insurance companies in Saskatchewan recognize these training programs and will offer you further discounts on your premium if you complete one.
If you’re more of a summertime road tripper and keep your RV stored indoors during the winter months, you can seriously benefit from adding seasonal lay-up coverage to your plan. By doing so, you can lower your premiums throughout the year, and still protect your RV during the months when it is not is use for your own peace of mind.
Your deductible is the amount you have to pay to your insurance when filing a claim before they will pay any remaining costs. Choosing a higher deductible, like $1,000 instead of SGI’s $700 deductible, will mean you will face a higher cost if you need to file a claim. In return, the insurer will lower your premiums slightly. You can also reduce your deductible from SGI’s $700 deductible that comes with basic plate coverage, but this will raise your premiums, so choose wisely.
The vast majority of local insurance companies charge an extra premium if you pay for insurance monthly rather than in full. This is because your insurance company pays a fee to process each of your payments, which they then charge back to you. So, by paying for insurance premiums in one lump sum rather than in instalments, you can easily avoid these fees.
Insurance brokers are licensed experts who work separately from insurance providers. This means that they can shop around, compare insurance quotes, and find coverage that meets their specific needs and budget constraints. The best part of all? Working with an insurance brokerage like BrokerLink is free!
Your insurance needs may change more often than you think. To ensure you’re not paying for unnecessary coverage, make sure to review your RV insurance at least once a year. Doing so before your renewal will also help you identify any new coverage gaps that may have arisen throughout the year.
On average, RV owners in Lloydminster, Saskatchewan, can anticipate paying anywhere between $500 and $2,000 in premiums. Like car insurance, providers determine these rates based on your overall risk profile, which takes into account numerous different factors. The higher your risk profile, the more you can expect to pay and vice versa. The factors providers and insurance brokers will consider for your RV include:
Class A, B, and C RVs are often more costly to insure due to their larger size, higher repair and replacement costs, and the availability of specific parts. Travel trailers, toy haulers, and fifth wheels, in contrast, may have less expensive rates because of their lower repair or replacement costs as well as greater availability of parts on the market.
The greater the value of your RV, the higher the policy limits needed to ensure that you are completely compensated following a covered loss, which costs more. Likewise, well-maintained RVs often have cheaper insurance rates because they are not as likely to develop operational issues or suffer severe damage in a collision, whereas improperly maintained RVs may be assessed as higher risks, meaning more expensive premiums.
Insurance rates will rise as the number of claims on your insurance history increases. In contrast, a clean claims history qualifies you for premium discounts. Similarly, RV owners with a poor driving record may be charged higher insurance rates than those with clean records.
Storing your RV inside or under a secure shelter lowers your chances of vandalism, theft, and severe storm-related harm. However, parking your RV in an exposed area, like your driveway or backyard, could increase your risk exposure and overall insurance costs.
People who use their RV periodically are likely to pay less for coverage as they spend less time behind the wheel, reducing the likelihood of an accident. However, if you reside in your RV full-time, you will require year-round coverage as well as supplementary insurance plans, which will be more expensive.
Higher-end possessions and after-market modifications to your RV can raise its replacement cost value, requiring higher coverage limits and more protection to adequately safeguard it, whereas conventional, budget-friendly RVs with no modifications will necessitate less coverage, making premiums less costly.
The higher your coverage limits, the more your premiums will be. However, the trade-off to this is that you’ll be more financially protected in the event of a loss. In contrast, lower coverage limits mean more affordable rates, but not as much financial protection when filing a claim.
Protecting your RV in Lloydminster, Saskatchewan, isn’t just smart, it’s a non-negotiable if you want to protect the investment you’ve worked hard for. With the right insurance products in place, you can explore what the province, the rest of Canada, and the U.S. have to offer with peace of mind knowing you’re fully covered.
At BrokerLink, our insurance brokers help RV owners find affordable coverage tailored to their unique needs. Whether you live in your RV full-time or use it solely to embark on summer road trips, our insurance professionals will help you find a policy you feel confident in. Contact BrokerLink over the phone or get a free insurance quote right now using our online quote tool!
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Yes, RV insurance in Lloydminster is mandatory for motorhomes, but only liability coverage. Trailers aren’t legally required to be insured, but additional coverage is recommended, given how risky travelling with an RV can be.
Your all-perils insurance provides your recreational vehicles with some theft coverage. However, most RV owners opt for separate comprehensive insurance for higher coverage limits.
Yes, contents insurance will cover all personal possessions inside your RV, including your electronics and valuables.
Getting an insurance quote for RV insurance is incredibly easy and quick. When you work with an insurance broker, you can compare multiple quotes and tailor coverage to your insurance needs the same day. Quote comparison tools are available online, or you can contact brokers directly for over-the-phone assistance.
Your car insurance policy will only extend liability insurance to your recreational vehicles. You’ll need to purchase separate coverage for your RV if you want to protect your personal belongings, your RV from physical damage, and against other potential risks that may arise.
Yes, seasonal lay-up insurance is available to RV owners in Lloydminster and can help you save on your premiums during the off-season.
If you like to travel from Saskatchewan to the U.S. in your RV, you’ll want to consider adding cross-border travel insurance to your plan. This endorsement extends your RV insurance when you travel out of province or out of the country.
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