Save on Ontario RV 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.

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.

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.

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.

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.

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.

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.

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.