Park Trailer / Recreational Home Insurance: Coverage for stationary or semi-permanent trailer park units.
RV Insurance: Coverage for self-propelled motorhomes (Class A, B, and C).
Travel trailer insurance covers a wide range of risks, on the road, at campsites, and in storage.
Travel trailer insurance in Ontario typically ranges from $400 to $2,200+ per year.
|
Trailer List Price |
Estimated Annual Premium |
|
$20,000 |
$400 - $500 / Year |
|
$50,000 |
$900 - 1,100 / Year |
|
$100,000 |
$1,800 - $2,200 / Year |
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Can I insure a stationary travel trailer?
Yes! If your trailer is permanently parked at a seasonal campsite or on private land, you'll need coverage tailored to stationary use. Be sure to mention any additions like decks, patios, or permanent structures, as these may require additional coverage. Your Morison broker can help you find the right policy whether your trailer is mobile or stationary.
What happens if someone gets hurt at my campsite?
If a guest or fellow camper is injured at your campsite or inside your trailer, your travel trailer insurance liability coverage protects you from medical expenses and legal fees. This is similar to how home insurance covers injuries on your property, but it applies to your mobile or seasonal camping setup.
Is travel trailer insurance required in Ontario?
No, travel trailer insurance is not legally required in Ontario. However, without coverage, you're personally responsible for any damage, theft, or liability claims. Given that trailers can cost between $10,000 to $100,000+, most owners choose to protect their investment with travel trailer insurance.
Will my auto insurance cover my travel trailer?
Typically, no. Your auto insurance policy may provide limited liability coverage while the trailer is attached and being towed, but it won't cover physical damage to the trailer itself, theft, fire, vandalism, or contents. Travel trailer insurance provides comprehensive protection specifically designed for your trailer's unique risks.
Are contents inside my trailer covered?
Yes, travel trailer insurance in Ontario includes contents coverage for camping equipment, bedding, cookware, and built-in appliances. However, coverage limits apply. High-value items like e-bikes, expensive laptops, cameras, or jewelry should be added to your home insurance policy instead, as they're not typically covered under trailer insurance.
Is my trailer covered while in storage?
Most travel trailer insurance policies provide protection while your trailer is in storage, though some restrictions may apply. It's important to inform your broker about your storage arrangements, whether you're storing the trailer at home, in a storage facility, or at a seasonal campsite, so they can ensure you have appropriate coverage.
What's the difference between RV and travel trailer insurance?
RV insurance covers self-propelled motorhomes (Class A, B, and C vehicles with engines), while travel trailer insurance covers non-motorized trailers that are towed behind a vehicle. RV insurance is more similar to auto insurance and is legally required when driving, whereas travel trailer insurance is optional but highly recommended.
