Planning a camping trip? Don’t forget travel trailer insurance before your hook up your camper and hit the road. Travel trailer insurance in Ontario ensures it has coverage when in transit and when parked at your destination.
At ThinkInsure, we’ll help you compare travel trailer insurance quotes from the top companies. We'll make sure you have proper coverage at a great rate. Then you can focus on making the most of your camping trip, knowing you’re protected.
Travel trailer insurance provides coverage for non-motorized trailers and campers you tow with a vehicle. It is also referred to as camper insurance. Policies are created specifically to address the gaps in coverage that are not part of your home or auto policy.
It’s available in a standalone policy and offers insurance for your contents, damage, and liability coverage. You can also choose from a number of endorsements for specific needs. For example, if you live in it year-round, you can get full time insurance.
Travel trailer insurance is not the same as RV insurance.
A travel trailer is unique. It does not require an auto policy, since you can’t drive it. They are not a motor vehicle, so there are not specific insurance requirements. This doesn’t mean you shouldn’t protect it with a policy. You should consider insurance to protect it from risk, damage, collisions, lawsuits and more.
However, this is often not enough. We can help you get the right policy in place to ensure your trailer has coverage whether it’s on the road or parked.
We can help you get coverage for all types :
Insurance costs vary based on the overall value of the trailer or camper you want to insure. Average policy premiums can range from as low as $250 annually to up to $1,000 or more. Things like value, usage, features, coverage limits and endorsements can impact rates.
This insurance provider you with protection for your trailer, personal belongings, detached structures, and liability. Here is what is generally included :
You also can get additional coverage if you travel with it full-time, including emergency roadside assistance.
Here are some simple ways to save on rates :
Yes. You can tow your travel trailer as long as the vehicle you are using is fully insured. It does not require insurance to be transported.
You may have coverage under home policy for your travel trailer if its parked on your property. In most cases, you will need additional camper coverage to insure it for loss and damage.
While you do not legally need to get insurance, it is highly recommended. If you purchase your camper with a loan, your lender may require insurance as part of the sales agreement.
Pop up campers and trailers do not require insurance.
Generally, your insurance will cover some types of water damage. Check your policy details to see what is included.
Did you recently purchase a travel trailer? Thinking about getting coverage? Time to renew? We can help! Start a quote online or give us a call today to compare the best quotes.