RVs are an exceedingly popular way to vacation and enjoy camping adventures 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. Ontario RV insurance is essential to protect you and your RV investment.
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.
A motorhome is a type of recreational vehicle, or RV, 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.
If you have never towed anything before, a motorhome may feel like a more natural fit. 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. For all of these advantages, there are a few downsides 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.
If you own a recreational vehicle of any type, such as a motorhome, you should purchase Ontario 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.
RV insurance protects your motor vehicle and provides coverage in the event of a loss or damage to the vehicle, contents, and personal belongings. Ontario RV insurance also provides liability coverage. If you own a motorized RV that you can drive on the road, it is important to have mandatory protection as it is legally required in Ontario that you have insurance.
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. This is where RV insurance is needed.
Ontario RV insurance covers damage to your recreational vehicle, contents, outbuildings, personal and premises liability, third-party liability (for drivable RVs), roadside assistance, renting out your RV, emergency vacation expenses, and increased coverage and limits. Standard coverage options include what you would typically expect from vehicle insurance: traffic collision coverage, automobile accident benefits and comprehensive coverage.
Extra 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. A few of the additional coverages you may want to ask our expert auto insurance advisors about are listed below.
Nothing can ruin the fun and excitement of vacationing out on the open road faster than being stuck on the side of the open road, going nowhere fast. Regardless of how well you look after your motorhome, there's always the potential for a problem like a flat tire or dead battery—and changing the tire on a massive RV can be considerably more challenging than it is with a regular car.
If you have emergency roadside assistance coverage included on your Ontario RV insurance, you can rest assured that help will arrive—and you'll be able to recoup some of the costs associated with roadside service such as a battery boost, tire change, fuel delivery, lock opening, towing and more.
Ontario RV insurance protects you from many of the potential financial losses that could be incurred while you're out on the road—but if your motorhome is parked at a campsite when you accidentally injure someone else or damage their property, you need vacation liability coverage. For example, if you invite a new friend from a neighbouring campsite over for a hot dog roast and they're accidentally burned by a shifting log while you're stoking the fire, they could choose to sue you. Vacation liability coverage will help cover expenses such as legal fees, settlement costs and medical bills. It can also help cover the cost of repair or replacement for third-party property damage.
If you've worked hard to maintain a solid driving record by playing it safe and following all the rules of the road, it can be particularly devastating to see your rating stained by one careless mistake. If you are involved in an accident and you are at fault, a driving record protection endorsement will protect your rating and your insurance rates may not increase at all following the incident, or the increase may be a lot less than it would be without driving record protection on your Ontario RV insurance.
While your Ontario RV insurance policy protects you against financial loss in the event of a damaging accident or theft of your motorhome, it doesn't typically cover the belongings inside the motorhome. From expensive fishing and recreational equipment to personal items like jewelry and the basic essentials, paying out of pocket to replace it all would be a serious financial burden. With adequate contents coverage with your RV insurance policy, you can get help to repair damaged items or replace stolen and destroyed items.
If your motorhome is parked for 50 weeks out of the year and only gets taken out for the annual camping trip, you may be tempted to rent it out through an RV sharing program. While it's not a bad idea to earn some extra money from a vehicle that's just sitting around most of the time anyway, it does require a specific endorsement on your Ontario RV insurance policy so you know it's covered even when it's being used by someone else. Be clear and detailed when you're speaking with your insurance broker about how you plan to do this because some insurance companies will limit you to using specific RV sharing programs or put limits on who you can rent to.
If your motorhome is your primary residence rather than just mobile vacation accommodation, that does change your Ontario RV insurance needs somewhat. You'll need an additional endorsement for full-time use, and what exactly needs to be included will change based on whether your motorhome is in operation as a vehicle or is permanently parked.
How exactly you plan to use your motorhome is one of the things you should discuss in-depth with your Morison Insurance broker so they can find the best possible RV insurance coverage to ensure you're protected against anything that is likely to happen. In fact, it's even more crucial to have Ontario RV insurance if you are living in your RV, because, unlike a typical vacationer, you don't have another home to return to and it's more important than ever to get your motorhome usable and habitable as quickly as possible following an incident that causes damage to your vehicle.
It's also very important for those who are living in their motorhome full-time to add contents coverage to their Ontario RV insurance policy because those contents go far beyond a vacationer's Hawaiian shirts and fishing rods. Your motorhome may be carrying most or all of your earthly possessions, and losing it all would be very difficult to cope with. While a ruined vacation is no fun for anyone, having your home and everything inside it taken away from you is a downright catastrophe. If that happens to you, you need to know that you'll get assistance to repair or replace your damaged, destroyed or stolen items so you can get your life back on track quickly and easily.
You need enough RV insurance that will protect you and your RV or motorhome in the event of loss, damage, or liability claims. Most insurance companies include mandatory protection such as recreational vehicle insurance coverage for total loss replacement, the replacement cost of personal belongings, liability, and emergency expenses. Coverage in your Ontario RV insurance can extend to emergency vacation expenses, emergency roadside service, and coverage while in the United States.
Be sure to speak with the expert advisors at Morison Insurance who will explain the different types of coverage and how much RV insurance coverage you need to properly protect your motorhome.
Yes, in most cases it is possible to add Ontario RV insurance to your standard auto insurance package instead of getting a stand-alone policy. Bundling it together could potentially save you a bit of money, and you can still get good coverage as long as you add on a few endorsements to round out the package.
The cost of your recreational vehicle insurance premium depends on many factors including the year, make and model of your camper unit. Generally, less pricey RVs 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, whereas an RV valued at $100,000 would cost an estimated $161 per month.
|APPROX. PRICE (per year)|
Thor Chateau 31E
$1,300 - $3500
Jayco Redhawk 24B
$350 - $1,200
Jayco Seneca 37TS
$2,000 - $5000
Fleetwood Bounder 35K
$1,800 - $4500
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.
You can get Ontario RV insurance from our team of Morison Insurance experts to ensure you are protected on your journeys, from family camping adventures to summer road trips. 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 picking up the phone and 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.