Travel Trailer & RV Insurance

Travel Trailer & RV Insurance

Coverage for your home on wheels, your liability, and your trip — from driveway storage to cross-border travel. Travel trailers and RVs are part vehicle, part property, and part lifestyle.

We insure all classes of recreational vehicles

Travel Trailers and Fifth Wheels

Travel Trailers and Fifth Wheels

Coverage tailored for towing, campsite use, seasonal storage, and higher-value upgrades like solar, lithium systems, and awnings.

Motorhomes (Class A, B, C)

Motorhomes (Class A, B, C)

An RV is both an auto exposure and a living space. We coordinate vehicle coverage with home-like protections for contents and liability at the campsite.

Pop-Ups, Teardrops, and Toy Haulers

Pop-Ups, Teardrops, and Toy Haulers

Smaller units can still carry meaningful replacement cost and liability exposure. We'll confirm the right coverage for the unit, attached gear, and what you carry inside.

Coverage Options That Matter

01
Liability That Follows You

Liability That Follows You

Your exposure is not just on the road. Campsite and visitor liability can matter just as much as driving liability. We typically quote $1M as a baseline and strongly recommend $2M.

02
Physical Damage and Comprehensive

Physical Damage and Comprehensive

Covers losses like collisions, rollovers, wind, hail, fire, vandalism, and theft. Especially important for newer units and financed purchases.

03
Contents and Personal Property

Contents and Personal Property

RVs often carry significant contents, including electronics, outdoor gear, tools, and seasonal equipment. We'll confirm limits and whether certain items need separate coverage.

04
Roadside Assistance and Emergency Expense

Roadside Assistance and Emergency Expense

Breakdowns and towing for RVs can be expensive and logistically difficult. Many policies offer options for towing, roadside services, and emergency accommodation.

Get the right coverage for your next trip

Proper limits, the right wording, and no surprises at the campground

Tell us what you own, how you use it, and where you travel. We'll structure coverage for the unit, your contents, and your liability.

Key Things RV Owners Should Know

01
RV insurance is not just auto insurance

RV insurance is not just auto insurance

Campsite liability, contents, and extended stays can require coverage beyond what people assume is included with standard auto coverage.

02
Storage and usage affect coverage

Storage and usage affect coverage

Where you store the unit, whether you live in it part-time, and how long you're away can affect eligibility and claims response. We confirm these details up front.

03
Cross-border travel matters

Cross-border travel matters

Some policies have travel or territory restrictions that can affect coverage in the U.S. If you're travelling out of Canada, tell us where you're going so we can confirm coverage applies.

Common misses we fix for RV owners

Quick items that prevent expensive surprises later.

"My trailer is covered under my auto policy."

"My trailer is covered under my auto policy."

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"My trailer is covered under my auto policy."

Sometimes yes, sometimes limited, and details matter. We confirm how the trailer is insured, how physical damage applies, and whether you need a separate policy for proper protection.

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"My contents are covered like my home insurance."

"My contents are covered like my home insurance."

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"My contents are covered like my home insurance."

RV contents coverage often has different limits and rules than a home policy. We'll confirm your contents limits and whether higher-value items need specific coverage.

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"Full-timers and weekend camping are the same."

"Full-timers and weekend camping are the same."

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"Full-timers and weekend camping are the same."

Not always. Longer stays, frequent use, and living-in-RV scenarios can change underwriting and required coverage. We'll place you with a carrier that fits your lifestyle.

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FAQ

Frequently Asked Questions

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