RV Insurance in 2021

Your RV is your pride and joy, your summer home, your ticket to the best road trips. It’s also a huge investment, and one that you can protect with the right insurance policy. To get the best price and the right protection consider what coverage you absolutely need and what you can skip.

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Name	Product	Roadside assistance	Third-Party Liability	Collision Coverage	Comprehensive Coverage	Discounts Available	Available Provinces
Intact Car Insurance						Up to 25%	Alberta, Northwest Territories, Nova Scotia, Ontario, Yukon	Get car insurance with Intact and enjoy a quick turnaround on any lodged claims. Get a free quote through Surex. Who it might be good for: Drivers looking to get rewarded for good driving behaviour.	Get a quote More Info	Compare	loading Fetching your data...
Aviva Car Insurance						Up to 25%	Alberta, Northwest Territories, Nova Scotia, Ontario, Yukon	Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex. Who it might be good for: Drivers looking to customize their auto policy.	Get a quote More Info	Compare	loading Fetching your data...
Travelers Car Insurance						Up to 25%	Alberta, Northwest Territories, Nova Scotia, Ontario, Yukon	Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex. Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.	Get a quote More Info	Compare	loading Fetching your data...
Surex Auto Insurance						Up to 25%	Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon	Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor. Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.	Get a quote More Info	Compare	loading Fetching your data...

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What can I do to get cheap RV insurance premiums?

The cost of RV insurance varies depending on the size, make, model and year of your RV. Because those factors can vary so much, the cost of RV insurance could range anywhere from $20 to over $1,000 every month. A basic liability only policy could start at only a couple of hundred dollars a year.

The cost of insurance premiums will also be impacted by how you’re using your RV and which insurance company you go with. So get RV insurance quotes from a range of providers to check prices.

Here are some ways to bring down the cost of insurance:

1. Get the right level of coverage. Only pay for coverage you need with limits that are high enough to replace your RV.
2. Shop for discounts. You can save on RV insurance with discounts — including safe driver, bundling, paying upfront and more.
3. Add security. RVs with security systems like cameras, light sensors and alarms have lower risk and lower premiums.
4. Reduce unnecessary trips. If you’re hitting the road regularly, your premiums will be higher than seasonal road trippers who store their RVs for longer periods of time.
5. Buy a less expensive RV. Big, shiny new RVs cost more to insure than slightly older or used ones.

Do I need RV insurance?

Compare RV rental insurance

What do the different types of RV insurance cover?

How does RV insurance cover my personal belongings?

The type of coverage that protects the personal belongings in your RV is called contents coverage. Contents coverage can include coverage for loss or damage to carpets, household goods, DVDs, clothes, entertainment systems, televisions, furniture, furnishings, jewelry, tools and more.

Similar to home insurance, some RV insurance companies offer add-ons for a higher level of coverage for your RV contents, or increasing the insured limit for specified valuable items.

How much RV coverage do I need?

Consider these factors carefully when comparing touring or static RV or camper trailer insurance quotes.

• How much is your RV worth? Consider how much it would cost to repair or replace your RV following an insured event and make sure your total coverage maximums can cover the costs. If your RV is brand new, you’ll probably want a policy that offers new RV replacement. Owners of older RVs should do a little research to determine the market value of their RV.
• How much do you use your RV? Plan for how many road trips you’ll take, what kind of terrain you’ll face and how far you’ll be going. Typically, more use means more coverage needed.
• What risks do you need your policy to cover? Third-party liability coverage is always required, and adding collision is generally a good idea. You can also add other coverage on top of those two. You might want coverage for roadside assistance in case of a breakdown if you take many road trips. If you travel with expensive belongings, consider adding contents coverage. If you stay at campgrounds, comprehensive covers you for fire, theft or vandalism.

What are the types of insurance by RV size?

RV insurance protects your camper, motorhome or fifth wheel from damage on the road and at the campsite. Similar to both car and home insurance, RV insurance can cover both your personal belongings and damage to your RV.

Driving, storing or living in your RV

You can adjust the coverage on your RV based on whether or not you’re currently using it to travel.

Insuring a stationary RV

If you’re storing your RV or leaving it parked for a significant length of time, you can reduce your coverage to save money. While you’ll generally still need liability, comprehensive and contents coverage, you can probably get rid of your collision or towing coverage.

Insuring an RV on the road

If you’re planning on taking your RV out on the road, you’ll need to make sure it has third-party liability coverage. Consider adding collision and comprehensive coverage so that it’s fully insured. Vacation (or campground) liability coverage covers property damage and bodily injury while your RV is parked at a campground or RV park.

Insuring an RV you live in

If you live in your RV, your policy might look more like a mixture of homeowners, renters and car insurance. And while your RV coverage might include liability coverage, you may consider personal liability for injuries that occur in or around your RV when it’s parked.

Bottom line

Protecting your RV with the right insurance is essential, and so is knowing how to navigate the nuances of your coverage. Learn more about how car insurance works in general and compare your RV insurance policy options to find the coverage you need to relax and explore Canada in style.

Questions about RV insurance

• When can I skip RV insurance?

  If your RV’s towed behind your car, you likely won’t need a separate policy. You can get add-on travel trailer coverage for a popup or towable RV without the need for a separate RV policy.

• Is my trailer covered under RV insurance?

  No, your trailer is typically covered under your car insurance. RV and trailer insurance are two different things. A trailer is often covered — or partly covered — by the car insurance policy of the vehicle that tows it, but an RV needs its own policy. If you only drive your RV and don’t have a car, you can add on trailer coverage to your RV policy. Alternatively, some insurers offer a separate trailer insurance, which offers extra protection for trailers while they’re parked.

• What kind of RV insurance discounts can I get?

  Each company will offer their own unique discounts and programs, but here are some potential discounts to be on the look-out for:

  • Group affinity
  • Driver safety course
  • Multivehicle
  • Paid in full discount
  • Multipolicy or bundling
  • Temporary storage
  • Safety device
  • Safe driver

• What if I park my RV in a motorhome or campground most of the time?

  You might have lower insurance premiums if your RV stays in one place most of the year. However, campgrounds might be considered risky due to possibilities of theft or parking lot accidents with other residents.

• Is RV insurance similar to car insurance?

  RV coverage has a lot in common with home and auto policies, but not everything’s the same. Compare the differences between RV and car insurance to help you pick the best policy.

  RV insurance

  • Can cost between $250 and $12,000 a year
  • Required if it’s drivable
  • Covers liability, collision and other events
  • Protects personal belongings
  • Add-ons for medical bills, pets and more
  • Seasonal policies standard

  Car insurance

  • Can cost between $800 and $1,800 a year
  • Always required
  • Covers liability, collision and other events
  • Personal belongings not always covered
  • Add-ons for medical bills, pets and more
  • Seasonal policies rare

• Does my tiny house need RV insurance?

  You’ll typically need homeowners insurance for your tiny home if your house isn’t mobile and is on a permanent or semi-permanent foundation. You may be able to get coverage through a traditional homeowner’s policy or a manufactured or mobile home insurance.

  But if your tiny house is on wheels, you’ll likely be required to carry car insurance while on the road. A full-timers RV insurance policy would be a first option to consider, since it covers you while on the road and while parked.

  Many insurance providers will cover a tiny house under an RV policy, as long as it’s built up to CSA Z240 RV Series Standard or the RVIA NFPA 1192 Standard. If your tiny house is a DIY project, you’ll need to look into specialty insurance.

  If your tiny home is financed, the lender will likely require you to carry insurance, whether it’s mobile or stationary.

  Types of tiny house insurance to consider adding to your policy

  • Liability
  • Collision
  • Comprehensive
  • Contents coverage
  • Personal injury protection