RV insurance at affordable rates
Like all vehicles driven on the road, your recreational vehicle must be insured in Ontario. As you may have spent considerably more on your home on wheels than your car, giving some further thought to your RV/motorhome coverage is worthwhile. Call us for a free quote today!
Stand-alone insurance or bundle options
We can insure your RV/motorhome on its own, or you can bundle your RV insurance with your home and auto policies to save money through multi-policy discounts. We’ll help you find the coverage that works best for your lifestyle. Call us today to see how we can help!
How much is RV insurance in Ontario?
RV insurance in Ontario can cost anywhere from $600 to over $2,000 a year. Premiums are based on the cost of the RV/motorhome, your age, years licensed and driving experience. Just like your car insurance, tickets and accidents can increase your rates, but our brokers can help find you great coverage at the best price possible.
What qualifies as an RV or motorhome?
For insurance purposes, an RV (recreational vehicle) is defined as a vehicle that combines transportation and living quarters within a single unit. If the weight of your RV or motorhome exceeds 11,000 kgs (24,250 lbs), a special class of driver’s license is required.
Ontario RV or motorhome insurance: What’s covered?
If you’re driving an RV or motorhome, you need to have a specific insurance policy which would usually include the following coverages:
Third party liability
This coverage protects you if you cause property damage or hurt someone. If you’re sued, you also have coverage for legal fees along with court awarded damages and more.
More about third party liability
Accident benefits
If you’re hurt in an accident, insurance pays for lost income and childcare, in addition to medical costs beyond what’s provided by government healthcare while you recover.
More about AB
Direct compensation
If you’re in an accident, but are not at-fault damages to your RV or motorhome are covered for repairs and replacement cost.
More about DC-PD
Uninsured auto
If you’re hit by an uninsured driver you can recover damages as if they were fully insured. Insurance helps you get back on your feet.
More about uninsured auto
Other RV coverage options to consider
Driving an RV or motorhome means you have a lot of coverage options. Here’s a few things to think about:
Collision coverage
This covers physical damage to your RV or motorhome from a collision with another vehicle or object.
More about collision
Comprehensive coverage
Beyond collisions, your comprehensive coverage can pay for other kinds of damage to your RV – like fire, theft, vandalism, storm damage and more.
More about comprehensive
Replacement cost
If you need to replace your RV or motorhome due to a claim, you will receive the purchase price or current market value to buy a new vehicle.
Frequently asked questions about RV insurance
Is my RV covered under my home insurance?
Not automatically. Most RVs are excluded from a standard home insurance policy. An RV that you drive needs to be insured separately like a car. If your RV is a trailer, your home policy might exclude it. Even if it doesn’t, you need to let your broker know that you are adding it as it can increase the total value to the policy. There will be an additional premium.
Is RV insurance mandatory?
In Ontario, all motor vehicles are required to be registered and insured, so if you own a motorhome, campervan, or other RV that you drive, yes, you do need insurance.
What is vacation liability RV insurance?
Vacation liability RV insurance is a type of liability coverage that covers any property damage or losses if someone injures themselves inside or on the premises of your parked RV while you’re travelling or out and about on a vacation. It’s a good idea to have if you’re planning to park at a lot of campsites throughout your travels, and it helps since your auto insurance’s liability won’t extend to your travel trailer or RV once it’s unhitched and parked.
Does RV insurance include water damage?
Many comprehensive RV insurance policies will cover water damage, although it can vary depending on how the water damage was caused. Most policies will exclude coverage for water damage if the cause of the water damage could be traced back to negligence or poor maintenance. If the water damage resulted from a covered event, such as a collision or storm, then the RV owner’s policy will likely help them pay for the water damage repairs.
Does my car insurance cover towing a trailer?
Your car insurance coverage may offer liability protection while your trailer is being towed, but it likely will not include coverage for damages done to the trailer if there’s an accident. For that, you would need RV or travel trailer insurance. Once the trailer has been unhitched from your vehicle, you would receive no protection from your car’s policy.
Does RV insurance include roof damage?
Whether RV insurance will cover roof damage or not is dependent on both the type and cause of the roof damage, in addition to the level of insurance the RV owner has. Collision coverage may include coverage for any damage done to your roof, or comprehensive coverage if an insured event causes the damage (such as snow, hail, or hurricane) but wear and tear damage may not be.
Does homeowners insurance cover a stolen trailer?
No, likely not. Home insurance will generally not cover stolen campers, trailers, or watercrafts that are away from home, although you may have some limited coverage for the belongings inside that were stolen. Check with your policy to be sure. Your best bet is to have comprehensive trailer insurance, as this will typically cover you for theft and vandalism.
Are the belongings in my RV/motorhome covered if I get into an accident?
Generally, but there are limits depending on the level of coverage you choose. With a basic RV policy, you may be able to claim up to $5,000 for your belongings. If you choose a higher level of RV coverage, you can increase the dollar limits, and further protect your belongings.
As a brokerage for over 70 of Canada’s top insurance companies, we have access to a wide range of insurance solutions at some of the best rates in Ontario. Want to learn more about the coverage options available to you? Here’s a few of them.
