Who is RecProtect?

RecProtect is a recreational program by Coburn Insurance Brokers Ltd. located in Mount Forest, Ontario that is operated by Coburn Insurance Brokers. Our underwriters are Germania Mutual Insurance and Four Points Insurance Company Ltd. A Subsidiary of the Mutual Fire Insurance Company of British Columbia. We are proud to be offering recreational insurance for trailers and boat all throughout Ontario, Alberta, British Columbia, and Saskatchewan. We are motivated by our goal to simplify recreational coverage for all of our clients and believe in the importance of real time quotes. With RecProtect, you can get a quote in under a minute!

We understand that there are countless different trailer and boat types out there, that can make getting the right recreational insurance rather complicated. In order to serve our customers the best, we offer tailored insurance coverage specific to your boat or trailer so you get the protection you need, without paying for coverage you don’t.

Trailer Types That We Cover

We offer insurance for several different trailer types, including park models, recreational trailers, fifth wheel trailers, mobile homes and manufactured/modular homes. Our stand-alone trailer policies will provide you with the best possible coverage for the best possible rates. Most auto or homeowners’ insurance policies may not cover what a stand-alone trailer policy would, including replacement cost, flood coverage, contents, premises liability, and emergency vacation expense.

Boat Types That We Cover

Our insurance coverage extends to a variety of boat types, including Runabout Boats, Deck Boats, Bowrider Boats, Fishing Boats, Bass Boats, Pontoon Boats, Ski Boats, Wake Board Boats, Cabin Cruiser Boats, and Sea-Doo/Jet Ski/Personal Watercraft. We understand that every boater’s needs are different, and that’s why our insurance policies are specifically designed to provide coverage for boats and watercraft and not rely on other typical insurance policies that may not provide adequate protection. Our boat insurance packages cover unique risks associated with boating, such as boat equipment replacement, fuel spills, and emergency towing and retrieval. We understand that unexpected incidents can happen on the water, and that’s why our policies provide comprehensive coverage for a range of scenarios.

Boat types that we currently do not cover are: hovercrafts, inflatables, multihulls, non-motorized boats, sailboats, houseboats, hydrofoils, cigarette/cigar boats, tug boats, salvage boats, and homemade kits.

What Makes Us a Great Recreational Insurance Company

With RecProtect, we make it so you can get a real time recreational insurance quote in under a minute. Say hello to all the free time you have just saved from agonizing over the traditional grueling quote process and goodbye to overcomplicated insurance. We make the legal jargon straightforward and easy to understand.

Not every trailer or boat are the same. There’s so many different types, uses, styles, models, and more. If you’re looking for a more personalized approach to your recreational insurance coverage and tired of dealing with companies that offer a generic “one size fits all” policy, make the switch to RecProtect. We understand how critical it is for each boat and trailer to get the proper insurance so that you don’t end up paying far too much on your premium.

Preferred Park Discounts in Ontario

There are so many different places to explore across Ontario. It’s a camper’s playground. RecProtect offers premium discounts and dedicated response times for a wide range of preferred parks throughout the province. Also, when you refer a campfire buddy to us, you become eligible to win some great prizes!

We have preferred parks in:

  • Mount Forest
  • Sauble Beach
  • Wasaga Beach
  • Kincardine
  • Port Elgin
  • Grand Bend
  • Tobermony
  • Wiarton
  • Hepworth
  • Southampton
  • Muskoka Region
  • Sherkston

RecProtect understands there are a wide variety of different types of trailers in Ontario and they all have different uses. Because not every trailer is the same, your trailer needs to have insurance specific to its model, make, use, and more. Here is an itemized list of some of the trailers that RecProtect offers insurance for:

There are so many kinds of trailer models and types in Ontario. If you do not see the type of trailer that you own or use in the list above, contact us and we will see what we can do for you.

We Simplify Recreational Insurance

Why do you use a trailer? There are many reasons why you may use a trailer in Canada. Whether you want to get away for a weekend or travel on more of a fulltime basis, trailer insurance is essential to ensuring that your recreational vehicle is protected. Many residents of Canada cannot imagine what their life would be like without their precious travel trailer or recreational vehicle. In Canada, we treasure our trailers because they allow us to do so many amazing things. We want to guarantee that you can keep adventuring, travelling, and spending time with your family with your trailer by getting it the right recreational trailer insurance.

RecProtect’s Trailer Insurance Brokers

A RecProtect trailer insurance broker is your best resource for when you need help navigating your policy’s fine print. Our experts lay out for you where your coverage can help and what it does and does not include. When a RecProtect trailer insurance broker examines your coverage they can determine whether or not your policy leaves any gaps and, if so, can suggest policy add-ons which could be of benefit to you. We offer several different kinds of optional coverages that may be of help to you, including:

Snowbird Endorsement Trailer Insurance

Some people like to use their trailer as a residence while in Canada until the cold weather hits. When you fly south for the winter, what’s protecting your trailer? RecProtect insures that your liability and contents are covered while you are away soaking up the sun. In many cases, very few people are aware or inadequately insured due to this particular exposure. A RecProtect trailer insurance broker can help discuss with you more information regarding this special coverage since there are certain conditions that may apply.

Emergency Vacation Expense Trailer Insurance

In most cases, this coverage is included in your trailer insurance policy to help cover the costs of renting another trailer to continue your travels or vacation if you need to make a claim. A RecProtect trailer insurance broker can lay out the details of this coverage for you and break down this endorsement so it is more easily understandable.

Premises Liability Trailer Insurance

Legal costs can be expense. RecProtect can help cover you from having to pay those potentially hefty fees pertaining to any property damage or bodily injury that you may incur while using your vehicle. This insurance is a must and may not always be included in other policies. Discuss with a RecProtect trailer insurance broker about the benefits of this particular coverage to assess whether or not you need it.

Important Information About Your Insurance Broker

Principles of Conduct for Intermediaries

The CISRO Principles of Conduct for Intermediaries are a set of guidelines outlining professional behavior and conduct expectations for fair treatment of customers for insurance intermediaries in Canada, which include compliance with all applicable laws, regulations, rules and regulatory codes and placing customers’ interests ahead of their own.

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Fact Sheet About Your Registered Insurance Broker

As a customer, you have the right to professional advice from a broker who is well-informed about the products they are selling, to be treated with fairness and integrity, to be informed about how your insurance premiums are calculated, to access your policy, to be clearly informed about the coverage and the claims settlement process, to ask how a broker is paid, the insurance companies they represent, and be informed about any potential conflicts of interest the broker may have, and to understand how your personal information is used and protected.

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