Ontario has lots to explore. An RV or motorhome is one of the best ways to see what the province has to offer. At ThinkInsure, we know that your RV can serve many purposes. You can use it to travel, for camping, your summer home or even a permanent residence. Everyone has a unique situation. We have the RV and motorhome insurance you need to fit your lifestyle.
We can get you custom RV camper insurance coverage from the top insurers. You’ll get a policy that serves your specific needs at the best rates. So, whether you are taking a road trip, weekend getaway, or relaxing at camp, you can have peace of mind in knowing you’re covered. Request a RV insurance quote online or call us to protect your RV and save.
An RV (recreational vehicle) is a unique vehicle. It combines features of both your home and vehicle. An RV insurance policy is a unique type of coverage meant to provide protection for motorhomes. Get coverage for the vehicle, your personal contents and liability.
Detached campers, travel trailer, and pop up trailers may not qualify for RV insurance. They would be covered under a trailer coverage policy. Speak with your insurer to clarify how your RV or camper is classified for insurance purposes.
There are many different types of RVs that can be insured in Ontario. We can help you get quotes and coverage for all types of RVs, campers and trailers, including :
Yes. You will need RV insurance for any vehicle that you can drive independently. You will need minimum auto coverage that is similar to a car insurance policy. You may also need property insurance coverage if you live in your RV or motorhome.
You can get coverage for trailer style campers that you tow behind a truck though your auto policy.
RV insurance works similar to any other insurance policy. But, it’s unique in the sense that it has elements of auto, home, and travel insurance. An RV motorhome is a vehicle and a home rolled into one. You can get coverage for when you are driving, travelling, and for your personal items.
Rather than taking out separate policies, RV insurance provides you with all the coverage needs in one policy. You can customize your policy to meet your specific needs.
RV and motorhome policies come in a number of types. There are a number of unique situations for RV owners. Choose the policy type that best meets your lifestyle :
Depending on your needs, you may want a standalone policy or bundle coverage your current policy provider.
RV insurance provides similar types of coverage as a car policy. It provides protection for your RV, the driver, passengers, and contents in your RV. You have coverage for a variety of risks. Standard policies include :
Coverage limits and specific will vary based on your insurer, policy type and RV type. Older RVs may be subject to some coverage restrictions.
There is a wide range of additional coverage you can add to your policy, including collision insurance and comprehensive insurance coverage. This will give you protection for loss or damage because of fire, lightning, and weather damage.
You can also add extra liability coverage, family protection, and roadside assistance. Plus, you can increase limits for personal contents insurance and other coverage. You have similar options as your auto policy.
The average cost of RV insurance depends on a number of variables. First it depends on your RV type. There can be a big difference in average RV insurance rates of a motorhome and trailer camper. Even within your RV type, cost vary based on the class of RV you have. For example, motorhomes are available in 3 classes (A,B,C). Your cost depends on the class and how much you use it.
In general, RV insurance rates can range anywhere from $500 to $2000 or more per year. Get a quote to compare costs for your specific RV model.
There are a number of ways you can get cheaper rates :
At ThinkInsure, we know you want to spend your time enjoying your RV. Get the RV insurance you need to kick back, relax, and enjoy wherever your RV takes you. We can get you the best RV rates for full timers, and seasonal users.
A motorhome is a unique type of RV. It requires specific insurance requirements. They tend to be the more expensive RV models. Your insurance costs depend on the type of motorhome you choose. We can help you get the coverage for your new or used model. We can help you compare quotes for all types of motorhomes :
Here are some common questions about RV, motorhome, and camper trailer insurance coverage:
Yes. RV insurance covers most equipment that is part of your RV, including awnings.
It depends on your policy and insurer. Some policies include water damage while others do not. You can add water damage coverage as a policy endorsement.
RV insurance is generally cheaper than standard Ontario car insurance. Even though RVs are bigger, that are lower risk. They are driven less and there are fewer claims compared to cars.
Most insurers in Ontario offer motorhome insurance. Some offer standalone policies. Others may require you to have a home or auto policy with them to get coverage.
It depends on the type of motorhome and coverage limits. In general, motorhome insurance is more affordable than most people realize. Get a quote to compare your coverage and savings options.
RV insurance rates vary by insurer. The best way to find the cheapest rates is to compare quotes. Look for ways to save, such as adding RV coverage to your existing insurance policies.
Ready to get an RV insurance estimate? Want to compare quotes for motorhome or camper trailer coverage? Contact us to buy RV insurance online today.