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RV Insurance In Ontario

Avoid Insurance Potholes With The Right Coverage For Your RV.
  • Protection for your RV and its contents
  • Know you're protected whether you are staying overnight or on the road
  • Know you're protected when you're travelling out of province
Complete the form or call 1-800-463-8074 to speak with a licensed broker about RV Insurance today.

Ontario RV Insurance

RVs are an exceedingly popular way to vacation in Ontario. It's your mobile home away from home, so it's important to have the proper protection for your family and your RV. In the event of a claim, without the proper insurance you can be held financially liable for any repairs or liability costs. Motorhome insurance is essential to protect you and your RV investment.

What Is RV Insurance?

RV insurance helps to financially protect owners of motor homes against potential loss, damage, and liability claims to their RV. A recreational vehicle insurance policy can include mandatory protection for collision damage, personal injury, and protection against any risks associated with the class of RV insured.

Speaking with a licensed insurance broker will help you understand a standard RV insurance policy and walk you through additional protection you can add that suits your individual needs.

What Is A Motorhome?

A motorhome is known as “engine-in” because a motorhome combines both the motor vehicle and the living quarters. This can mean a lot of benefits for you and your passengers. Having a motorhome means that you do not need to worry about whether your car or truck has enough power to get you where you want to go. Another advantage of the motorhome is that it can sometimes be easier for those with less towing experience. That said, they are still quite large so caution is always encouraged. They may still be a more natural fit if you have never towed anything before. With your kitchen, bed, and washroom just steps away from your driver's seat, a motorhome is great for when you need to take a well-deserved rest from the road.

That said, for all of these advantages there are a few things that are worth considering. For example, motorhomes tend to require more maintenance. So be sure that you have a trusted mechanic in mind should the need arise.

Did you know? Three-quarters (76%) of RV owners have pets, which is significantly higher than Canadians in general (58%). Dogs are the most common, while cats are a distant second.  Emphasizing the pet friendliness of an RV has the potential of attracting a broad subset of vacationers navigating recreational living options, such as hotels and resorts, that may not always welcome pets.

Who Needs RV Insurance?

If you own a recreational vehicle of any type, such as an RV or motorhome, you should purchase RV insurance to protect your investment and your financial stability. Without RV trailer insurance, you will be left financially responsible for any losses or liability expenses.

It is also important to note that if you finance or lease your RV, the lender will likely require insurance to be in place for the full term of the loan.

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Is RV Insurance Mandatory?

In Ontario, if you own a motorized RV or motorhome that can be driven on the road, you must have insurance. If you own a non-motorized recreational vehicle, RV insurance is not mandatory, however, it is essential protection. Your non-motorized RV is covered by your auto insurance policy when it is on the road, but your auto policy does not cover your non-motorized RV when it is parked.

How Much RV Insurance Do I Need?

You need enough insurance that will protect you and your RV or motorhome in the event of a loss, damage, or liability claims. Most insurance companies include mandatory protection such as: recreational vehicle insurance coverage for total loss replacement, replacement cost of personal belongings, liability, and emergency expenses. Coverage in your RV insurance can extend to emergency vacation expenses, emergency roadside service, and coverage while in the United States.

Be sure to speak with a licensed insurance advisor who will provide expert advice and help determine the different types of coverage and how much insurance coverage you need to properly protect your motorhome.

How Does RV Insurance Work?

RV insurance protects your motor vehicle and provides coverage in the event of a loss or damage to the vehicle, contents, and personal belongings. RV insurance also provides liability coverage. If you own a motorized RV that you can drive on the road, it is important to have the mandatory protection as it is legally required in Ontario that you have insurance.

Motorhome Insurance - Morison Insurance - Ontario

How Much Does RV Insurance Cost?

The cost of RV insurance rates depends on many factors including the year, make and model of your RV. Generally, less pricey RV's cost less to insure; larger and more elaborate motorhomes cost more to insure. For example, insurance premiums for an RV valued at $30,000 would cost an estimated $46 per month, where as an RV valued at $100,000 would cost an estimated $161 per month.

Our Morison Insurance brokers will provide you with an accurate RV insurance quote based on the details of your RV to ensure you have peace of mind knowing you are properly protected.

What Does RV Insurance Cover?

RV insurance covers damage to your recreational vehicle, contents, outbuildings, personal and premises liability, third-party liability (for driveable RVs), roadside assistance, renting out your RV, emergency vacation expenses, and increased coverage and limits.

Recreational Vehicle Insurance - Morison Insurance - Ontario

Can I Add Extra Coverage To My RV Insurance Policy?

Additional coverage can be added to your recreational vehicle insurance policy to include protection for items such as warranties on appliances, frozen food, lock replacement, emergency vacation expenses and personal effects.

Speak with an insurance representative who will help you determine additional coverage options to add to your motorhome insurance policy.

Where Can I Get RV Insurance?

You can get RV insurance from Morison Insurance. Our expert insurance agents will provide excellent service and get you several competitive RV insurance quotes so you can have peace of mind and select the policy that is best for you in terms of price and coverage. Get started today by filling out the form on our website or by calling 1-800-463-8074.


This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.

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