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Whether you’re planning a weekend getaway to Echo Valley or embarking on a road trip across Canada, owning an RV gives you the freedom to explore the outdoors freely. And protecting that freedom starts with buying the right coverage. Regina residents face unique risks like hailstorms, wildlife encounters, flooding, accidents, theft, and more, which is why a customized RV insurance plan is essential to protecting your finances and interests–it’s also legally mandatory.
From Qu’Appelle Valley to the Rocky Mountains, insure your RV with customized insurance with BrokerLink today.
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RV insurance is a specialized type of coverage designed to protect your motorhome, travel trailer, utility trailer, fifth wheel, or camper van. While all recreational vehicles in Saskatchewan must carry minimum SGI plate insurance, consisting of $200,000 in liability insurance, some accident benefits, and minimal all-perils coverage, this protection often leaves gaps in your coverage. That’s where RV insurance comes in handy. It’s essentially an extension of your basic plate insurance to cover things like:
Higher liability limits ensure that if you injure someone or cause property damage while operating your RV, you’re not left paying out of pocket if a lawsuit is filed against you.
Physical damage protection, which covers repairs or replacements following a collision or non-collision events like theft, vandalism, fire, or severe weather conditions.
Contents coverage to protect your clothing, electronics, camping gear, solar panels, and other items stored in and on your RV.
Why it matters: According to Saskatchewan Government Insurance (SGI), all motorhomes must carry liability insurance, as relying on auto or home insurance can leave gaps in your coverage.
There are so many places to explore around Regina and across Saskatchewan, which is why many residents choose to travel with an RV. But while RV ownership is exciting, it also comes with real risks that can put your finances and plans at risk. Sudden prairie hailstorms can cause expensive roof and siding damage if your RV is stored outdoors, and theft or vandalism is always a concern since recreational vehicles are high-value targets.
The road itself adds another layer of exposure. Highway driving on routes like Highway 1, 6, or 11 can increase collision risk during busy travel seasons, and rural roads near campgrounds can bring a higher chance of wildlife collisions. Fire risk can also rise during dry summer and fall periods, especially around campgrounds and storage areas. Finally, if you travel beyond Saskatchewan, it’s important to know that a standard auto policy may not fully protect your RV outside the province, depending on your coverage.
In Regina all motorhomes must carry basic insurance through the SGI Auto Fund. This government-provided insurance coverage encompasses the following policies:
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
Cross-border travel extension
Seasonal lay-up coverage
Agreed value endorsement
Third-party liability insurance protects you in the event you cause injuries or property damage to a third party while operating your RV. For example, if you accidentally back into your neighbour’s fence and damage it while reversing out of your driveway, you could be held liable for costs.
But with this coverage in place, any repairs, replacements, medical bills, legal fees, and settlement expenses will be covered. SGI’s minimum coverage requirement for third-party is $200,00. However, most owners opt for higher limits through private insurance companies for better protection.
Accident benefits, also known as the personal injury protection plan, will cover the cost of medical expenses, rehabilitation, and income replacement if you, your passengers, or pedestrians are injured in a collision, regardless of fault.
For example, if you get into a collision with another motorist on Highway 2 travelling from Regina to Old Wives Lake, and need to take 2 weeks off of work to recover from your injuries, your lost wages will be covered and so will any medical expenses you incur.
All perils coverage will cover repairs your RV requires following an accident/non-collision event (like theft or fire) that damages your motorhome. It’s important to note that this coverage is limited and may not cover the full cost of repairs needed. Additionally, the deductible for this policy is $700, but you can lower this amount by purchasing separate coverage through private insurance.
Collision coverage is meant to supplement your limited all-perils insurance provided by SGI. It will cover repair or replacement costs if your RV is damaged in an accident you’re at fault for, whether it’s a highway collision on Highway 6 or a minor fender bender at a campsite.
Comprehensive coverage also extends the protection you receive from your limited all-perils coverage and protects you against non-collision losses like theft, vandalism, fire, hail, and other severe weather conditions, which is crucial for RV owners across Regina. According to the Canada Insurance Bureau, as of June 2024, severe weather conditions amounted to $135 million in claim costs, highlighting the significance of having this coverage in place.
Many owners in Regina view their RVs as their home on wheels. And with contents coverage, your personal belongings, such as your clothing, electronics, camping gear, and more, will be protected against theft, vandalism, fire, and severe storm damage, ensuring your repair and replacement costs are covered by your provider.
In the event your RV is being repaired following an insured claim, loss of use insurance will cover the cost of alternative accommodations such as a hotel or rental vehicle, ensuring you and your family aren’t left stranded while on a road trip.
Roadside assistance offers emergency aid for flat tires, dead batteries, fuel delivery, and towing if your RV suffers a mechanical breakdown while on route. For example, if you’re travelling west from Regina toward the Alberta border and drive over a nail that causes your tire to deflate, simply contact your roadside assistance from your location and wait for aid before heading back out on your adventure.
Accessory coverage protects any add-ons you may have invested in for your RV. Whether it’s solar panels, bike racks, awnings, or satellite systems, these investments can be expensive, especially if you need to replace them out of your own pocket. With this coverage in place, any repair or replacement needed to replace these accessories will be covered by your provider, ensuring you aren’t left hanging.
Are you planning a winter escape to California or a summer road trip through Jasper, Alberta? With a cross-border travel endorsement, your coverage will be extended to ensure you’re protected while travelling throughout Canada and the U.S.
For the months when your RV is parked in storage, lay-up insurance allows you to pause your liability and collision coverage while maintaining your comprehensive insurance active. By doing so, you can protect your RV from theft, vandalism, fire, and storm damage, while lowering your premiums during the off-season.
With an agreed value endorsement, your insurance company would compensate you an agreed-upon value you agree on, in the event your RV is written off following a total loss, rather than its depreciated value. This endorsement is ideal for high-value, custom, and vintage RVs with high replacement costs.
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Owning an RV is all fun and games, but premiums can add up if you’re not strategic when purchasing coverage. Luckily, there are ways you can lower your rates without compromising your coverage. Here’s what you need to do:
One of the easiest ways you can lower your RV insurance rates is by combining your RV coverage with your home, car, business, and farm insurance. By bundling your coverage with the same insurance company, you can receive up to a 15% discount on your premium, keeping more money in your wallet and making your life easier when it comes to managing your policies.
Investing in secure indoor or covered storage, wheel locks, GPS trackers, and alarm systems for your RV can lower your customer risk profile by actively deterring theft and vandalism. As a result, you can save up to 5% on your insurance costs.
By far the easiest way to qualify for lower insurance prices with your provider is to remain claims-free. The longer you go without a claim on your file, the more you’ll save on your premiums. To maintain a safe driving record, consider taking a defensive driving course, as these can make you a safer driver and qualify you for a discount.
If your RV remains stored at your house during the off-season, opting for seasonal lay-up coverage ensures that your motorhome will remain protected when it’s not in use, while lowering your premiums.
A deductible is the amount you pay to your insurance provider when filing a claim before they cover any remaining expenses. Opting for a higher deductible, such as $1,000 instead of the $700 deductible from SGI, means you’ll be taking on more of a financial responsibility in the event you need to file a claim. In return, your insurer will lower your rates slightly.
Only opt for this if you feel comfortable potentially paying more out of pocket in the future. Ideally, you’ll want to find the right balance between affordability and your overall risk tolerance.
Most insurance providers add a surcharge to your account if you choose to pay for your insurance every month, rather than up front. This is because it costs your insurance company money to process each of your payments. Therefore, you can avoid these fees simply by paying for your coverage in one lump sum, rather than 12 separate payments.
Insurance brokers work independently from insurers. Because of this, they have access to different plans and providers, allowing them to shop around, compare quotes, and find the best coverage available.
You can work with brokers like BrokerLink for free at any time by contacting them over the phone or using free online quote tools on their website that allow you to compare quotes quickly from the comfort of your own home.
Your insurance needs may vary throughout the year. Maybe you bought a new RV, finally invested in a solar panel, or decided to plan a cross-country road trip in the next couple of months. Whatever the change may be, your coverage should match your current needs, which is why reviewing your insurance annually is beneficial. By doing so, you can ensure you’re not overpaying for outdated coverage and avoid potential coverage gaps.
Similar to how car, home, or business premiums are calculated, how much you pay for RV coverage depends on your overall risk profile. The higher your risk, the more you’ll pay. Insurance providers use numerous factors to determine this profile, and when it comes to RV insurance, insurers are typically looking at the following:
Class A, B, and C motorhomes generally cost more to insure due to their size, higher repair and replacement costs, and complexity. In contrast, trailers, toy haulers, and fifth wheels may experience lower rates, given that they cost less to repair or replace. On average, RV owners in Regina can anticipate paying the following, depending on their RV type:
Class A: $1,000 to $5,000 annually.
Class B: $500 to $1,000 per year.
Class C: $8000 to $2,500 for the year.
The more your RV is worth, the higher your coverage limits will be to ensure you’re compensated fairly should something happen. The higher your coverage limits, the more expensive your rates will be. At the same time, well-maintained RVs generally come with more affordable insurance rates, given that they are less likely to break down or sustain severe damage, while poorly maintained RVs may be quoted higher premiums given their elevated risk exposure.
If you store your RV indoors or under a secure cover, you’ll be less exposed to theft, vandalism, and severe storm damage. In contrast, leaving your RV parked outdoors in an unsecured area like your driveway or backyard can increase your risk exposure and overall insurance costs.
Seasonal RV enthusiasts can generally expect to pay less for their coverage, especially if they opt for seasonal lay-up insurance, as they spend less time on the road and away from their home address. In contrast, if you live in your RV full-time, you’ll require year-round protection and additional coverage, which will come at an additional cost.
The more claims you have on your file, the higher your rates will be. In contrast, having a clean claims history will make you eligible for discounts on your rates. Additionally, RV owners with poor driving records that include multiple traffic tickets, accidents, and violations can also anticipate higher premiums compared to those with clean driving records.
Coverage for your personal belongings and accessories will depend on the value of these items. Having higher-ticket belongings and after-market upgrades will increase the replacement cost of your RV, which will require higher coverage limits and coverage add-ons, whereas standard RVs with minimal accessories won’t require as much coverage.
The higher your coverage limits and the more optional policies you add to your plan, the more you can anticipate paying for your RV insurance in Regina compared to someone who opts for basic SGI insurance.
Your RV is more than a vehicle. It’s your home on the road, your ticket to your next adventure, and a major financial investment, which is why having customized insurance is essential.
At BrokerLink, we work with RV owners in Regina to customize coverage they can feel confident in. No matter what your budget may be, our brokers will help you compare rates, unlock discounts, and ensure you get back on the road to your next RV destination in Canada and beyond in no time.
Contact BrokerLink over the phone or by email to speak with a broker directly. You can also get a free quote using our online quote tool right now! Don’t miss out!
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Yes, RV insurance in Regina is mandatory. All registered motorhomes are required to purchase SGI basic plate insurance, which includes $200,000 in liability coverage, minimum accident benefits insurance, and minimal all-perils coverage.
Yes, you can insure your belongings with an optional policy known as contents insurance. This add-on protects your personal property from theft, vandalism, fire, and store damage, covering the cost of any repairs or replacements, up to your coverage limits.
Yes, seasonal insurance is available. Known as a seasonal lay-up endorsement, this policy allows you to suspend your liability insurance during the winter while maintaining your comprehensive coverage, which will lower your rates without compromising your coverage.
Your car insurance only partially covers your trailer. It will protect you against liabilities while you’re towing your trailer, but it will not cover damage, theft, or contents stored on or inside it. You will need a separate RV policy to ensure you are comprehensively protected.
Yes, you can use your RV insurance if you travel down to the U.S. However, you will need to purchase a cross-border extension to ensure your coverage extends beyond Saskatchewan.
Yes. Your RV or trailer must have its own policy to be fully protected. Your car insurance only extends liability coverage while your trailer or RV is being towed. Without separate coverage for collision and comprehensive, you’d be left paying any repair or replacement costs out of pocket should something occur.
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