Trailer Insurance Simplified

Park Model Trailers

Park Model Trailers are seasonally occupied. They are manufactured offsite and are transported to campground to be permanently parked once wheel structure is removed- chassis is not removed. Generally not more than 45 feet in length and 12 feet in width. Normally have decks, porches, additional rooms added to the structure and a shingled roof. Make sure to include these additional features in the value when quoting.

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Recreational Travel Trailers

These types of trailers are towed behind vehicles and transient with owner visiting multiple parks throughout summer season. Sizes can vary in length from 10’ to 40’. If permanently parked at a site, further discounts may apply.

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Fifth Wheel Trailers

A fifth wheel trailer is a special kind of recreational vehicle towed behind a car or pickup using a special something called a ‘fifth wheel’ hitch. For the most part, fifth wheel trailers are spacious, sturdy, and easy to handle. They can house up to a capacity of 8 people and are generally between 20 to 40 feet long. Be sure to disclose the details of your fifth wheel trailer when quoting.

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Boat Insurance Coverage

Boats and Personal Watercraft

Boats and personal watercraft are popular forms of recreation and transportation. Boats are used for many reasons including fishing, exploring, water skiing, or cruising around. Personal watercraft (PWC), such as Jet Skis and Sea-Doos, offer a fast and agile way to get around the water and to have fun. By following safety guidelines, both offer an exciting way to experience the water. Boats come in many different types and sizes, when requesting an insurance quote, be sure to describe your boat in detail.

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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.