RV Insurance

Having the right insurance coverage for your RV is important for protecting you and your investment from unfortunate situations while on the road. At RecProtect, you can rest assured that your recreational vehicle will be protected and that you’ll have the best coverage possible for your RV. We also offer free quotes that are available online with no obligation. So why wait? Get started with RecProtect today and start enjoying more time with your RV.

RV Insurance Quote

Choosing the Best RV Insurance Broker

Finding the right insurance broker is a crucial part of owning an RV. RecProtect deals specifically with recreational vehicles and offers all types of coverage options to ensure that your RV is sufficiently protected. RecProtect knows the ins and outs of insuring RVs and can help you find the best coverage particular to your trailer.

In Canada, recreational trailers come in various models and sizes, with a range of uses and amenities. Our trailer insurance customer representatives can help you understand what coverage is important for your RV and answer any questions you may have.

If you own a recreational vehicle, make sure to secure your travel plans with the right protection.

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RecProtect RV Coverage

1. Premises Liability Coverage

This type of insurance coverage provides financial protection for RV owners in the event of an accident or incident that results in bodily injury or property damage to a third party while using their parked trailer.

2. Comprehensive Coverage

Covers the damages from vandalism, theft and natural disasters like tornadoes and wildfires. With comprehensive coverage, your RV will also cover against damages caused by falling objects, fire, and severe weather.

3. Collision Coverage

Provides coverage for damages that occur during an accident. Having collision insurance can help RV owners avoid significant expenses in case of an accident, regardless of who is at fault.

4. Personal Property Coverage

Provides protection for your personal belongings that are kept inside your RV, such as furniture, electronics, appliances, and other personal items. It covers loss or damage caused by theft, fire, vandalism, or other perils.

5. Roadside Assistance Coverage

This coverage option offers assistance in the event of a breakdown or other roadside emergencies while travelling in your RV. The service may include towing, tire changes, fuel delivery, and more.

6. Overland Water Coverage

Specifically addresses damages caused by water that originates from natural sources such as rising rivers or lakes from excessive rainfall, flash floods, and spring snow melts.

7. Medical Coverage

Provides coverage for medical expenses incurred by you or your passengers in the event of an accident, no matter who’s to blame. This coverage can help cover medical bills, ambulance fees, and hospitalization costs.

8. Detached Private Structure Coverage

An additional coverage that offers protection for any structures on your property that are not physically connected to your RV. This includes structures like sheds, fences, and decks.

Do I Need RV Trailer Insurance?

If you’re thinking about purchasing an RV, you’re probably asking yourself if you also need to get RV insurance. The answer is no, unless the RV happens to be motorized.

Although it may not be required by the law, having insurance coverage for a non-motorized RV is still recommended to protect you and your travelling asset. Recreational vehicle owners should consider purchasing RV insurance to ensure that they are adequately covered in the event of an accident or unfortunate mishap.

Insurance policies are available to suit your specific RV trailer requirements and can be obtained through one of our RV insurance representatives at RecProtect to determine the proper coverage and cost that works best for you and your RV. Before hitting the road though, make sure to register your RV and pay the one-time fee to your local licensing agency.

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What Trailer Types Does RecProtect RV Insurance Cover?

Recreational vehicles come in various models and serve different purposes beyond the typical tow-behind camping trailer. With so many types of trailers available, finding the right trailer insurance can be a complicated process, leading to inadequate coverage and higher costs. RecProtect understands that every trailer is unique and that insurance needs to be tailored to its specific use and risks.

Here is a list of trailers that RecProtect insures:

  • Fifth-Wheel Trailer
  • Travel Trailer
  • Park Model Trailer
  • Camper Trailer
  • Teardrop Trailer
  • Tent Trailer
  • Pop-Up Trailer
  • Mobile Home Trailer
  • RV Trailer

Not seeing your trailer type or not sure what kind of trailer you have? Contact us and a RecProtect representative will be sure to help guide you though the process and get you on your way to enjoying your recreational vehicle.

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RecProtect is Your Canadian RV Insurance Broker

Canada offers plenty of opportunities for RV enthusiasts with its scenic routes, campgrounds, and parks, especially in the Ontario, Alberta, British Columbia and Saskatchewan provinces. However, RVing also comes with potential risks and dangers such as collisions, accidents, theft, and damage to the RV and surrounding environment. It is important to be prepared for any situation that could cause significant financial strain on your wallet by obtaining a comprehensive RV insurance policy that provides you with the necessary protection. Don’t let your next road trip be ruined by an unfortunate incident. Start it by getting an RV insurance quote right now from RecProtect.

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Unbeatable quotes in seconds. Enjoy your trailer, let us worry about the rest.

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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.