Comprehensive Trailer Insurance in Ontario

It’s no surprise that Ontarians adore their trailers. RecProtect makes it easier to find trailer insurance Ontario that works for you and your recreational vehicle. You can work with one of RecProtect’s Ontario trailer insurance brokers and start with a free quote that you can get in under a minute. Begin today by clicking the link below.

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Ontario Travel Trailer Insurance

Ontarians use their trailers for all sorts of purposes, whether that’s for a few days’ getaway in the summertime with the family or for travelling fulltime.

In Ontario, the most popular make of RV that you’ll find is a travel trailer – or “recreational trailer.” Travel trailers are designed to be towed behind another automobile, usually a truck or a car, and can be used for vacationing, camping, or outright travel. Many folks in Ontario cannot imagine life without their travel trailers.

Travel trailers range in length but are typically about 20 feet long. Depending on the model you tow, you might have a vehicle that is larger or smaller.

Many recreational vehicles feature a large range of amenities and some have much more modest selections. The average travel trailer in Ontario might include bathrooms, bedrooms, and dining areas. Ontario boasts a selection of popular models, including Jayco, Sonic, Coleman, and Forest River.

RecProtect can insure all types of trailers. Enjoy comprehensive travel trailer insurance in Ontario and work with a RecProtect broker to secure protection – faster.

We offer a variety of coverage options so that you have a wide selection of protections against all the risks you might face.
You can get a quote in under a minute. There’s no obligation. Apply today for a free trailer insurance quote in Ontario to get started on your coverage as soon as possible.

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Ontario Trailer Insurance Coverage: What it Does

The average trailer insurance policy in Ontario may offer the following protections:

Lock Replacement

Insures you for the costs to restore, repair, or replace your trailer in the event of break-ins, vandalism, and theft as well as the cost to repair or replace your trailer’s locks.

Emergency vacation and towing expenses

Insures you for any unexpected expenses ensued while travelling or if your trailer breaks down on the roadside and needs to be towed.

Sewer backup and overland water coverage

Similar to the home insurance endorsement, this insures you for water damages to your trailer due to overland water flooding or backup from your plumbing systems.

Trailer contents

Insures you for the actual value or replacement cost of your trailer’s contents if they are damaged, lost, stolen, or destroyed entirely.
RecProtect trailer insurance broker in Ontario have the expertise you need to help you navigate the ins and outs of your policy. They can also provide you insight on whether your policy contains any gaps and may suggest options that could be of benefit to you and your circumstances. Consider the following coverage options – depending on your situation, they may or may not be of benefit:

Premises Liability Trailer Insurance

Premises liability insurance is a must-have and can protect you from lawsuit costs associating with any legal action taken against you due to bodily injury or property damage caused by you while operating your trailer. Discuss with one of RecProtect’s trailer insurance broker sin Ontario about the benefits of this coverage option and how it can protect you.

Snowbird Endorsement Trailer Insurance

If your trailer is your primary residence or if you like to travel south for the winter, this is an important endorsement to consider. RecProtect offers the option of a Snowbird Endorsement for your trailer to insure it while off-premises. Discuss with your Ontario trailer insurance broker today about this endorsement, as some exclusions may apply.

Emergency Vacation Expense Trailer Insurance

This is an endorsement which is typically automatically covered in any Ontario trailer insurance policy and covers you if you need to rent another trailer in the event your current one has broken down or been in an accident. This ensures that your trip or vacation can continue without a hitch. Discuss this coverage option with RecProtect’s trailer insurance brokers in Ontario.

All the Trailers We Can Insure in Ontario

There are a wide selection of trailers to choose from in Ontario, and the options can be overwhelming. Each household has its own reason for selecting the trailer they think fits their lifestyle best, but how does insurance work for different types of trailers? RecProtect can tailor trailer insurance plans in Ontario to all types of recreational vehicles, no matter what size, make, or model. Below is a list of some of the types of trailers that RecProtect insures. If your trailer isn’t included in this list, give us a call to see what we can do for you today:

Ontario Trailer Insurance

Trailer insurance in Ontario does not need to be overcomplicated. When you choose RecProtect, you get quality protection that is simplified for your understanding. See below for some of our most frequently asked questions about trailer insurance in Ontario:

Do I need insurance on my boat trailer in Ontario?

Generally, it is highly recommended that you insure your boat trailers in Ontario to secure your investment against potential losses. If you are renting your boat trailer, chances are that your renting company will require you to carry insurance.

How much does trailer insurance cost in Ontario?

RecProtect will help you find a plan from some of the top-rated trailer insurance companies in Ontario to secure a policy that is right for you – and at the best rates we can possibly find. Trailer insurance in Ontario may cost differently depending on the overall value of your travel trailer, how you use it, where you use it, how often you use it, what’s inside it, and many more factors. The best way to see how much your Ontario trailer insurance will cost you is to apply for a free quote.

How do you insure a trailer if you travel full-time in Ontario?

RecProtect’s trailer insurance brokers in Ontario are happy to help you find a fulltime RV insurance policy in Ontario if you use your recreational vehicle fulltime. The coverage may look a little different, but rest assured – you can insure a trailer if you travel full-time in Ontario with RecProtect.

Do you need to carry trailer insurance in Ontario?

Generally no, unless your trailer is motorized then it is not a requirement. However, RecProtect highly recommends purchasing trailer insurance in Ontario to preserve your asset, especially if it’s the highlight of your summers or if you use it to travel around.

Areas We Serve:

RecProtect provides travel trailer insurance to Ontario and the following areas:



British Columbia

If you can’t see your city on the list but live in Ontario, British Columbia, or Alberta, be sure to discuss with RecProtect’s experts to see what we can do for you.
RecProtect provides our Ontario and Canadian clients with the chance to receive a free real-time trailer insurance quote in less than a minute. Recreational trailer insurance in Ontario doesn’t have to be overcomplicated – and we even offer a few premium discounts for preferred parks across the province and Canada-wide.

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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.