With RecProtect, you are able to purchase a policy online in minutes, 24/7/365. 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 your 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!
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 to reach the sales team.
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.
We have three settlement options: Guaranteed Replacement Cost, Replacement Cost and Actual Cash Value.
1.Guaranteed Replacement Cost: To qualify for Guaranteed Replacement Cost, you must insure your asset to the MSRP (including tax) of the newest model year of a similar kind and quality, including any installed upgraded options (decks, add-a-room, etc), taxes and any additional fees, such as delivery fees (does not incl extended warranty, maintenance packages or life insurance) at policy inception date. There is no deduction for depreciation of any kind, this is conditional on insuring the unit for guaranteed replacement cost of a brand-new unit including taxes and any additions. There will be no limit to replace your trailer with a new trailer of like, kind and quality.
2.Replacement Cost: To qualify for Replacement Cost, you must insure your asset to the MSRP (including tax) of the newest model year of a similar kind and quality, including any installed upgraded options (decks, add-a-room, etc), taxes and any additional fees, such as delivery fees (does not incl extended warranty, maintenance packages or life insurance) at policy inception date. 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. We will pay the lesser of the amount actually and necessarily expended for replacement, the MSRP for a trailer of like, kind and quality, or, the policy limit shown on the declaration page.
3.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 comparable in the marketplace less any costs that would have made your item ready for sale.
Ages to qualify for Guaranteed Replacement Cost and Replacement Cost:
All Risk coverage includes, but is not limited to: Fire, lightning, theft, wind storm, hail, falling objects, snow load, ice damming, septic back up, overland water, vermin and collision Named perils coverage includes, but is not limited to: Fire, lightning, theft, wind storm, hail, falling objects, septic back up, overland water, vermin and collision
Ages to qualify for All Risk and Named Perils:
The Roadside Assistance program is designed for your safety and convenience, available 24/7, 365 days a year across Canada and the continental United States. You are eligible for two (2) service calls per year. Key services include:
Towing for RVs: If you have a mechanical breakdown (not related to an accident), we provide up to two (2) hours of service to tow your trailer to the nearest repair center.
Towing for Stationary Trailers: If you have a stationary or park model trailer, we provide up to 20 km of towing for your vehicle if it breaks down while you are traveling to or from your RV.
Flat Tire Service: We will change a flat tire with your spare, provided the trailer is secured and emptied.
Winching Service: We provide up to 20 minutes of winching to pull your trailer out of mud, sand, snow, or a ditch.
Simply call our toll-free line at 1-833-205-9208. A professional bilingual coordinator will assist you. Please note that a licensed driver must be present when the service provider arrives.
The program focuses on mechanical breakdowns rather than accidents. It does not cover the cost of parts, labor for repairs, or towing following an insurance claim (such as an accident or fire). Additionally, the trailer must be secured and emptied of contents for certain services like tire changes.
The Marine Assistance program is designed for your safety and convenience, available 24/7, 365 days a year across Canada and the continental United States. Key services include:
Boat Tow Referrals: We will guide you to an independent marine towing provider to get your vessel to the nearest marina or repair facility.
Fuel Delivery Referrals: If you run out of gas, we will locate a service provider who can deliver an emergency supply of fuel directly to your location.
Marina Referrals: We provide directions and contact information for the nearest marina capable of assisting with docking, repairs, or support
Call 1-833-205-9208 and be prepared to provide your policy number, vessel serial number, and the vessel's current location, a call back number and a brief description of the situation. A licensed operator must be present at the vessel when service is rendered.
The RecProtect Marine Assistance program is a referral service, it does not assume responsibility for services performed by independent providers. While we handle the logistics of finding help, the policyholder is responsible for all costs associated with towing, labor, docking, and the fuel itself. (Note: If the disablement is caused by a risk already covered under your insurance contract, please contact your broker).
This endorsement allows you to rent out your trailer to others through an approved professional rental network. It provides coverage during the rental period.
This endorsement protects your unit against several risks that may occur during a short-term rental, including:
Theft or Vandalism: Coverage for loss or damage caused by a short-term tenant, their employees, or members of their household.
Intentional Acts: Protection against damage resulting from criminal or intentional acts by the tenant or their guests.
Excess Coverage: This coverage acts as "excess coverage," meaning it applies to losses that exceed any damage deposit paid by the tenant or coverage provided by the Rental Network Company’s own insurance policy.
To ensure you are covered, you must use a professional, approved platform.
Note: Using an unapproved site may result in the termination of your insurance coverage.
Yes, to maintain this coverage, the following conditions must be met:
Still have questions? Contact us at (888) 887 0881 or [email protected].
With RecProtect, you are able to purchase a policy online in minutes, 24/7/365. 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 your 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!
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 to reach the sales team.
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.
We have three settlement options: Guaranteed Replacement Cost, Replacement Cost and Actual Cash Value.
1.Guaranteed Replacement Cost: To qualify for Guaranteed Replacement Cost, you must insure your asset to the MSRP (including tax) of the newest model year of a similar kind and quality, including any installed upgraded options (decks, add-a-room, etc), taxes and any additional fees, such as delivery fees (does not incl extended warranty, maintenance packages or life insurance) at policy inception date. There is no deduction for depreciation of any kind, this is conditional on insuring the unit for guaranteed replacement cost of a brand-new unit including taxes and any additions. There will be no limit to replace your trailer with a new trailer of like, kind and quality.
2.Replacement Cost: To qualify for Replacement Cost, you must insure your asset to the MSRP (including tax) of the newest model year of a similar kind and quality, including any installed upgraded options (decks, add-a-room, etc), taxes and any additional fees, such as delivery fees (does not incl extended warranty, maintenance packages or life insurance) at policy inception date. 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. We will pay the lesser of the amount actually and necessarily expended for replacement, the MSRP for a trailer of like, kind and quality, or, the policy limit shown on the declaration page.
3.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 comparable in the marketplace less any costs that would have made your item ready for sale.
Ages to qualify for Guaranteed Replacement Cost and Replacement Cost:
All Risk coverage includes, but is not limited to: Fire, lightning, theft, wind storm, hail, falling objects, snow load, ice damming, septic back up, overland water, vermin and collision Named perils coverage includes, but is not limited to: Fire, lightning, theft, wind storm, hail, falling objects, septic back up, overland water, vermin and collision
Ages to qualify for All Risk and Named Perils:
The Roadside Assistance program is designed for your safety and convenience, available 24/7, 365 days a year across Canada and the continental United States. You are eligible for two (2) service calls per year. Key services include:
Towing for RVs: If you have a mechanical breakdown (not related to an accident), we provide up to two (2) hours of service to tow your trailer to the nearest repair center.
Towing for Stationary Trailers: If you have a stationary or park model trailer, we provide up to 20 km of towing for your vehicle if it breaks down while you are traveling to or from your RV.
Flat Tire Service: We will change a flat tire with your spare, provided the trailer is secured and emptied.
Winching Service: We provide up to 20 minutes of winching to pull your trailer out of mud, sand, snow, or a ditch.
Simply call our toll-free line at 1-833-205-9208. A professional bilingual coordinator will assist you. Please note that a licensed driver must be present when the service provider arrives.
The program focuses on mechanical breakdowns rather than accidents. It does not cover the cost of parts, labor for repairs, or towing following an insurance claim (such as an accident or fire). Additionally, the trailer must be secured and emptied of contents for certain services like tire changes.
Still have questions? Contact us at (888) 887 0881 or [email protected].
If your trailer, watercraft or cottage is located within 50KM of an active wildfire, we cannot put a new policy in place.
Please contact the sales team at 888.887.0881 or [email protected] with questions.
