Canada’s Best Travel Trailer Insurance

1. Water Protection Endorsement

A basic travel trailer insurance policy will have coverage for water damage caused by common issues but will not cover things like water damage caused by sewer backup and overland water.

You can add the optional coverage of water damage caused by sewer backup and overland water to your policy for extra protection or even take it further and get coverage for when any water goes into your trailer and causes damage.

Your travel trailer insurance policy can cover water entering your trailer due to things like torrential rainfall or spring thaw as well as overflow from lakes or rivers, and any accidental water entering through the foundation or basement walls.

What your RV trailer insurance policy may NOT cover is floods from tidal waves or tsunamis, as well as intentional water breaches.

2. Replacement Cost Plus Endorsement

This coverage gives you not only the cost of a replacement travel trailer after a claim but also an additional amount for compensation.

3. Guaranteed Replacement Cost Endorsement

As for this RV trailer insurance coverage, it can give you a new model of a travel trailer when you receive a replacement after a covered claim, even if it costs more than your previous model! 

4. Owners and Renters Protection

If you own your RV and looking to either use it for commercial purposes or to rent it out and make extra cash, you’ll need extra coverage to protect you. 

Some RV owners like to list their RV to be rented on platforms such as Outdoorsy, which requires an extra RV rental network endorsement. 

You should also look for coverage with third-party liability insurance, accident benefits, collision, and comprehensive insurance to include in your travel trailer insurance policy. 

5. Premises Liability Trailer Insurance

To protect you from having to pay the potentially hefty costs that arise from legal action pertaining to any bodily injury or property damage that you cause while using your trailer, premises liability trailer insurance is a must and sometimes not included in other policies.  

Discuss with your trailer insurance broker the benefits of this endorsement to see if you may need it. 

6. Emergency Vacation Expense Trailer Insurance

This coverage is automatically included in the policy to assist you with the costs of renting another trailer to continue your holiday if you happen to have a claim.  

To find out more about this coverage, a trailer insurance broker should be able to answer all your questions and break down this endorsement for your understanding. 

7. Snowbird Endorsement Trailer Insurance

If you happen to be one of those people who use their trailer as a primary residence in Canada and 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. 

8. U.S. Exposure Endorsement

This additional coverage option gives you protection when you are traveling in the USA and lasts up to 180 days. 

9. Emergency Roadside Service

You never know when you’ll get in trouble on the road and need help getting towed or transported to your destination. 

Having coverage for emergency roadside assistance can come in handy for covering the costs of this kind of service on the road and save you time and money.