Park Model Insurance

Your park model trailer is an important part of your life. You can ensure both it and its contents are protected by working with a park model trailer insurance broker from RecProtect. Get started with a quick quote that you can get for free online.

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Looking to Insure a Park Model Trailer?

A park model trailer is a unique type of trailer. It isn’t like your run-of-the-mill RV, as it is designed for longer use and are popular for use as cottages and even retirement homes. Because park model trailers aren’t the same as your average trailer, you will need to have special insurance in order to make certain that all your assets are covered.

That’s where RecProtect steps in to help. We make insurance straight forward and easy to get so that there is no guesswork. Our professionals are experts in finding insurance products that work especially for your particular type of recreational vehicle. For when you want a quick quote, we can get you what you need. Get started with RecProtect today!

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Park Model Trailer Information

Park Model Trailers are manufactured offsite and are transported to campgrounds to be permanently parked once wheel structure is removed. Park model trailers are generally a higher end trailer type with more luxurious finishing’s than a travel trailer or fifth wheel trailer. Park Models are generally not more than 45 feet in length and 12 feet in width and incorporate decks, porches, shingled roof and superior kitchen and bathroom finishes. Popular for “snowbirds” and long-term travellers but also people who are looking for more of a traditional cottage feel. Popular Park Model makes are: Northlander, General Coach, Jayco and Keystone. Make sure to specify what park model make you use when getting your park model insurance coverage.

What Does RecProtect Park Model Trailer Insurance Cover?

The following components are included in your park model trailer insurance and may help cover you for a variety of different exposures you could discover yourself facing while away from home with your vehicle. Many coverages are required by law in Canada or are highly recommended. Discuss the following with a RecProtect park model trailer insurance broker if you have any questions regarding what is covered.

Snowbird Endorsement

If you happen to be one of those people who uses your trailer as a primary residence and Canada then fly south for the winter, we can insure your liability and contents while off premises! Most people are unaware or improperly insured due to this exposure. Discuss with your trailer insurance broker for more information regarding this coverage as certain conditions apply.

Physical Damage Coverage

There is a wide variety of coverages similar to a comprehensive property policy. Losses such as fire, lightning, windstorm, hail, falling trees, snow load, ice damming and vandalism.

Bodily Injury Liability

If you happen to be in a situation where, when operating your recreational vehicle, you injured someone else and are held liable, this coverage may help. Bodily injury liability may be able to pay the injured person’s medical bills and loss of income.

Property Damage Liability

Should you cause an accident and cause damage to someone else’s vehicle or their property, this coverage may help pay for some or all of the expenses you incur. Property damage liability and bodily injury liability are required by law in Canada and it is illegal to operate a vehicle without having these essential coverages.

Medical Payments

This coverage may help pay for you and your passengers’ medical bills if you are involved in an insure accident.

RecProtect Park Model Trailer Insurance Endorsement Options

You want to ensure that your park model trailer insurance keeps up with everything that you are using your trailer for, and sometimes that may mean you need endorsements in order to guarantee that you are sufficiently covered against anything and everything. For your benefit, RecProtect offers a variety of different park model trailer insurance endorsements. If you are not sure what you need, a RecProtect park model trailer insurance broker can help discuss with you what may help supplement your policy. Below are just a few of the optional park model trailer insurance endorsement options.

Towing & Trip Interruption Expenses

This endorsement may cover you for the costs of towing and labour, as well as several trip interruption expenses including transportation, temporary housing, and meals during the time that your park model trailer is away for repairs.

Replacement Costs

This endorsement may exempt you from having to file a home insurance claim. Instead, this policy may pay out towards the costs of replacements in the event of an insured loss.

Emergency Roadside Assistance

This endorsement may provide you with emergency help expenses if you find yourself in need of additional fuel, a jumpstart, tow, or a tire change while on the road. This coverage may also help protect you from having to pay trip interruption expenses if you are at a certain distance from your home.

RecProtect Quick Park Model Trailer Insurance Quotes

When you want insurance, RecProtect makes it so that you can get a quote in less than 30 seconds and have coverage for your recreational vehicle in just minutes. This way, you don’t have to wait for days to bind your coverage and can hit the open road as soon as possible to get started on your next adventure. We know that, in Canada, your recreational vehicle means so much to you because of what it enables you to do. Make sure that you are protected against any unforeseen losses by having the right coverage.

RecProtect offers a multitude of different insurance options in order to guarantee you get precisely what you need. Discuss with a RecProtect insurance broker today about your park model trailer or get a free quote with us!

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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.