Understanding RV Insurance

Understanding RV Insurance

Buying insurance for your RV is similar to buying insurance for your car, but there are some key differences and other considerations unique to owning an RV.

The key components of an auto insurance policy are also available for recreational vehicles.


Bodily Injury Liability:

Protects against liability expenses due to injuries to others in an auto accident.

Personal Property Liability:

Protects against liability expenses due to damage to the property of others in an auto accident. In most provinces, liability insurance is required by law.


Your Policy Can Also Cover Damage To Your RV:


Collision Coverage:

Provides protection if your vehicle is damaged due to a collision with another vehicle, a stationary object, or in a rollover.

Comprehensive Coverage:

Provides coverage for many other risks, like fire, falling objects, or glass breakage.

Water Protection:

Optional coverage for stuff such as septic backup, overland flooding from heavy rain, rivers and lakes.

Emergency Vacation Expense:

Coverage to rent another trailer after a claim to continue with your vacation. This can be a vacation saver.

Personal Property:

Your homeowner’s or renter’s insurance policy provides primary protection for all your personal belongings. However, items that are regular to the trailer itself such as kayaks, chairs, coolers etc. are covered under your trailer policy.


Like all types of insurance, it’s important for your insurer to understand the risks, exposures and value of the insured property.

Have a candid conversation with your broker and be sure to discuss any customizations your RV has and any special considerations, such as if you are living in your RV full-time.

This information guides the conversation so you can learn all your coverage options, exclusions and considerations.


Coburn Insurance Brokers

RecProtect is proud to be offering recreational insurance for trailers throughout Ontario. We are a recreational program by Coburn Insurance Brokers Ltd. located in Mount Forest, Ontario.

If you have any questions or concerns regarding your trailer policy or want to discuss your home, auto, business, or farm policies, please contact us at 888-887-0881.

One of our supportive insurance brokers is waiting to answer your call.

Contact Us