RV Insurance
What Is Motorhome or RV Insurance?
RV insurance is a specialized type of coverage that protects recreational vehicles such as:
- Motorhomes (Class A, B, C)
- Travel trailers, fifth wheelspop-up campers
- Truck campers, toy haulers and more
It combines elements of auto insurance (for when you’re driving) and home insurance (for when you’re parked or staying in the RV), depending on your use.
Most policies include:
- Liability coverage (required by law in Ontario)
- Collision and comprehensive coverage
- Personal belongings and equipment protection
- Emergency roadside assistance and vacation interruption
Why Do I Need RV Insurance?
Driving or towing an RV on public roads in Ontario legally requires liability insurance—just like any other vehicle.
But because RVs double as living spaces, having the right policy is essential to protect against:
- Accidents on the road or at campsites
- Theft or fire affecting your vehicle or its contents
- Damage from weather events, falling trees, or collisions
- Liability if someone is injured while visiting your parked RV
- Travel delays due to breakdowns or loss of use
Your standard auto or home insurance usually won’t cover RV-specific risks. A tailored RV insurance policy helps ensure you’re protected whether you’re road-tripping for the weekend or full-timing across Canada.
Can You Also Insure My Travel Trailer?
Yes! Travel trailers—including fifth wheels, pop-ups, and utility trailers—can be insured under RV coverage.
Because trailers are not self-powered, they require different coverage than motorhomes. Insurance typically includes:
Liability while being towed
Collision or upset damage
Theft, fire, or vandalism protection
Contents and equipment coverage (like awnings, satellite dishes, etc.)
We’ll help you choose the right protection based on the type and value of your trailer.
How Much Does Motorhome Insurance Cost?
The cost of RV or motorhome insurance in Ontario depends on several key factors:
The type, size, and value of the RV or trailer
Whether it’s used for seasonal travel or full-time living
Your driving record and insurance history
Where the RV is stored or parked
The level of coverage and deductible you choose
Our licensed brokers will compare rates from multiple insurers to help you find the best price for the coverage you need.
