Cost of Insurance on Fifth Wheel & Travel Trailers

Cost of Insurance on Fifth Wheel & Travel Trailers

Whether you own a fifth wheel trailer or any other type of travel trailer, having proper insurance can ensure your adventures go smoothly and don’t cost you an arm and a leg if troubles arise on the road.

Due to the differences between the variety of tow-behind trailers on the market, it’s essential to know what insurance coverage is available or required of your specific trailer to ensure all assets are covered. This may sound daunting, but don’t worry, RecProtect is here to help!

 

What’s a Fifth Wheel Trailer?

Fifth wheel trailers are identifiable by their U-shape hitch coupling. They’re manufactured with heavier materials and more luxurious features than your average travel trailer. However, with these upgrades, it’s essential to be protected.

RecProtect Fifth Wheel Trailer Insurance Coverage

RecProtect insurance on fifth wheel trailers insurance on fifth wheel trailers includes the following components in order to ensure you’re covered for the many different situations you may discover during your outdoor experiences:

  • Water Protection
  • Replacement Cost Available
  • Premises Liability
  • Physical Damage Coverage
  • Emergency Vacation Expenses
  • Emergency Roadside Assistance

Unsure what any of these coverage categories entail? Be sure to click the heading link to discover more about fifth wheel trailer insurance with RecProtect.

 

What’s a Travel Trailer?

Travel trailers are the most popular non-motorized RV, thanks to the large variety of sizes and shapes they come in. However, like any other big purchase, you need to ensure you’re protected, in this case, with travel trailer insurance.

RecProtect Travel Trailer Insurance Coverage

RecProtect insurance on travel trailers insurance on travel trailers includes the following components in order to ensure you’re covered for the many different situations you may discover along your outdoor adventures:

  • Water Protection
  • Replacement Cost Available
  • Premises Liability
  • Physical Damage Coverage
  • Emergency Vacation Expenses
  • Emergency Roadside Assistance

Unsure what any of these coverage categories entail? Be sure to click the heading link to discover more about travel trailer insurance with RecProtect.

 

What Sets RecProtect Apart?

RecProtect offers insurance options to guarantee you get what you need. Some custom options/bonuses are:

  • Annual payments
  • Premiums based on the individual trailer [year, mobility of trailer, value]
  • Discounts for permanently parked trailers [further discounted for preferred parks]
  • Automatic coverage for contents and detached private structures

RecProtect offers insurance to non-motorized trailers that aren’t used as full-time living quarters to those located within Ontario, Alberta, Saskatchewan and British Columbia.

 

RecProtect Quick Insurance Quotes for Fifth Wheel and Travel Trailers

An insurance package that covers your unique needs is of the utmost importance. Selecting additional options or making changes to coverage packages can result in a change of premium and liability. For example, lower deductibles will increase the premium.

You aren’t alone though, RecProtect’s online quotes allow you to get a quote in 30 seconds or less and have complete coverage within minutes! You can also contact RecProtect directly to speak to an insurance broker about your trailer insurance options.

RecProtect Quote FAQ

Question: How simple is the process?

Answer: With RecProtect, you are able to purchase a policy online without speaking to a broker. Simply follow the steps and enter the information as prompted. When you reach the quote, you will see an option to complete your application, highlighted in blue. Once the application is complete you will be directed to sign and enter in credit card information to pay for your policy. RecProtect offers a one-time payment for the year. Once the policy is paid for using a regular credit card or Visa/Mastercard Debit, you will receive the official policy documents in your inbox within minutes!


Question: Have Questions during the quote process?

Answer: Select "Return to Broker" in the bottom left of page if you wish to have a broker review your application. A broker will contact you once application is reviewed. If it is time sensitive, call (888) 887 0881.


Question: Don't have enough time to complete the quote?

Answer: Select "Save and Continue Later" if you wish to revisit the application at a later time. You will receive an email with a link to the application you have started. This will retain all of the data you have entered and will allow you to sign and pay for the application at a time that works best for you.


Question: Questions on coverages?

Answer: Two Settlement Options: Replacement Cost or Actual Cash Value.

1. Replacement Cost: Replacement Cost will have no deduction for depreciation of any kind, this is conditional on insuring the unit for replacement cost of a brand new unit including taxes and any additions.

Ages to qualify for replacement cost:

  • Travel and Fifth Wheel Trailers: Up to 15 years old
  • Park Model Trailers: Up to 25 years old
  • Watercraft: Up to 15 years old

2. Actual Cash Value or Fair Market Value: The Actual Cash Value is the current market value of the unit which includes depreciation. The value is calculated at the time of the time of loss and is based on similar comparables in the marketplace less any costs that would have made your item ready for sale.


Question: What is covered?

Answer: Common claims that are covered are: Fire, lightning, windstorm, hail, collision, theft, vermin and falling objects.


Still have questions? Contact us at: (888) 887 0881.