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Travel Trailer Insurance

Avoid insurance potholes with the right coverage for your travel trailer

  • Protection for your Travel Trailer and its contents
  • Know you’re protected when your travelling out of province
  • Know you’re protected whether you are staying overnight or on the road

Complete the form or call 1-800-463-8074 to speak with a licensed broker about Travel Trailer Insurance today.

Ontario Travel Trailer Insurance

Travel trailers are your mobile home away from home. As such, it is important to ensure you and your travel trailer are properly protected from the risks you face. Travel trailer insurance from Morison Insurance aims to do just that! Whether for vacation use or for full time living, our insurance brokers will provide you with the best coverage options and rates for your unique travel trailer insurance needs. We will keep you and your trailer on the road so you can focus on your travels!

What Is Travel Trailer Insurance?

Travel trailer insurance protects the non-motorized, recreational vehicle that you are towing. This type of policy provides coverage for the trailer in the event of loss or damage. Travel trailer insurance is tailored to your use of the vehicle and fills in gaps in coverage left by your home or auto insurance.

 Do I Need to Buy Travel Trailer Insurance?

Travel trailers are not a motor vehicle and thus do not require their own auto insurance policy. However, this does not mean that the trailer is covered by your auto insurance policy. To protect your trailer from damages, collisions, bodily injury lawsuits and ensure you have the proper comprehensive and contents coverage, you need the proper travel trailer insurance policy! Travel trailer insurance coverage options include:

  • Damages
  • Collisions
  • Bodily Injury
  • Contents Coverage
  • Water Protection
  • Standard Emergency Roadside Service
  • Debris Damage
  • Extended Appliance Warranty
  • Lock Replacement
  • Food Replacement
  • Pet Injury
  • And more! If you got it, we can insure it.

Picture this, you are planning a trip to Algonquin Park. With visions of singing Kumbaya and roasting marshmallows floating through your mind you are struck with the realization that you may need travel trailer insurance for your adventure. Except, insurance can seem complicated at the best of times and with all the travel trailer insurance options available, travel trailer insurance may seem too daunting to bare. Fear not, fellow traveller, because with the right information and a little guidance from a Morison Insurance broker, we will have your travel trailer insurance sorted and road ready in no time.

Travel Trailer Insurance Protection

Morison Insurance offers protection for:

  • Travel Trailers
  • Tent Trailers
  • Truck Campers
  • Fifth Wheel Trailers

Who Needs Travel Trailer Insurance?

Although a non-motorized trailer is not required to have insurance in Ontario, the low cost of a travel trailer insurance policy is worth the peace of mind it provides. Damages to your travel trailer would not be covered by your auto insurance policy. This means that in the event of damage due to a collision or other reason, you could be left covering the costs of repairs or replacement of your trailer. Travel confidently with the right policy for you.

How Can I buy Travel Trailer Insurance?

Call Morison Insurance or complete the contact form on this page and we will be in touch to discuss your travel trailer insurance promptly, likely before you can have your first suitcase packed.  Unless you already have it packed.  That said, we do take customer service, and your time, very seriously and always make every effort to get in touch with you as soon as we can.  What’s more?  We make it easy at Morison Insurance and there is lots, and we mean LOTS, that we can do to help you along the way with travel trailer insurance. Beyond answering every question you have, we can also offer travel trailer insurance discounts. For example:

  • Claims free discount
  • Combining your travel trailer insurance with your home and auto insurance

And it does not stop there; just ask about all of the many discounts you can benefit from at Morison Insurance. Let us help you save your hard earned money.  If you are looking for travel trailer insurance you likely have other vacation related items you could spend those savings on.  In fact, the only thing you should be worried about it not burning your marshmallow.  Leave your travel trailer insurance to us.

How Much Does Travel Trailer Insurance Cost?

On average, your travel trailer insurance can cost anywhere from $18 to over $1,000 per month. To illustrate a few examples, premiums for a travel trailer valued at $30,000 would cost an estimated $46 per month, where a travel trailer valued at $100,000 would cost an estimated $161 per month. The cost of travel trailer insurance will vary depending on the year, make and model of your travel trailer.  You also have the ability to customize your coverage which will also effect the price of your travel trailer insurance.

To receive an accurate quote, contact our Morison Insurance brokers by giving us a call or completing a contact form on this page!

 

Cost of  the List Price of Your New Trailer ($) Estimated Monthly Premium ($) Estimated Annual Premium ($)
10,000 18 216
15,000 24 293
20,000 32 381
30,000 46 557
40,000 60 722
50,000 81 972
75,000 122 1,464
100,000 161 1,933
125,000 201 2,411
150,000 241 2,889
200,000 321 3,846
250,000 400 4,801
300,000 480 5,759
400,000 639 7,672
500,000 799 9,584
750,000 1,197 14,366
1,000,000 1,596 19,148

 

What Do I Need to Consider Before Taking a Travel Trailer Adventure?

There are a few things to know before you embark on those highways,byways and country roads. Considerations such as: travel trailer versus motorhome, types of trailers, and of course, proper travel trailer insurance coverage. But fear not, fellow adventure seeker, we have got all the answers to your many questions.

Tell me, does traveling without the hassle of airports or organizing (and paying) for a hotel sound like a dream come true? A trip where you have the mobility and flexibility to travel whenever and wherever your adventurous heart desires. If so, then hooking up a travel trailer is probably calling your name. And, honestly, why wouldn’t it? You can have all of the conveniences of home and be able to travel wherever your four (or more) wheels will carry you. No more gate changes, no more wondering about the mystery stain in the hotel floor; travel trailers provide a unique level of comfort.

Is a Travel Trailer the Same as a Motorhome?

What is a Travel Trailer?

A travel trailer, also referred to as a caravan, camper or camper trailer, is an “engine-out” option where you are pulling your living quarters behind your own vehicle. It is known for being more comfortable and protective than a tent.  The absolute first thing to know about your trailer is the Gross Vehicle Weight Rate (GVWR). This is the sum total weight of your vehicle and trailer including all of the supplies and people – yes, people – that you will be bringing along on your trip. This is very important because you need to make sure that the car or truck that you will be using to pull you trailer can handle the weight. Not doing so or pulling over capacity can result in damage to your vehicle’s engine.  Do not let this deter you from considering a travel trailer as lots of fun can still be had, however it is certainly a vital consideration.

Once you have your GVWR sorted, you can enjoy all of the benefits that come from a travel trailer. For example, travel trailers often require less maintenance. Another large benefit of the travel trailer option is the ability to drive without your trailer once you have reached your destination. A quick trip into town for a bag of chips or licorice is easy to do and you can leave your living area at the campsite. A task made slightly more difficult with a motorhome. Be sure that your trailer is proper covered with travel trailer insurance in the event of a loss. Our Morison Insurance brokers are here to find you the right coverages that meet your travel trailer insurance needs.

What is a Motorhome?

A motorhome is known as “engine-in” because a motorhome combines both the 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.

What Are the Different Types of Travel Trailers?

Travel Trailer

There is no single travel trailer; rather they come in many different variations. This makes them versatile and you will likely be able to find an option in any price rage. Just always keep in mind the Gross Vehicle Weight Rate (GVWR) and you should be just fine with this option.

Travel Trailer

Travel Trailer

Fifth-Wheel Trailer

This is a similar option to the travel trailer; however, the fifth-wheel set up provides significantly more stability while driving. This stability makes it one of the safest, let me repeat that, safest trailer options out there. Fifth-wheel trailers also provide more space, making them a slightly more comfortable option. You can also fit a number of people in this trailer, making them a great choice for those looking to bring the whole family along. Prices on fifth-wheel trailers range, though they almost always fall on the higher end of the spectrum. Additionally, a truck is necessary to tow a fifth-wheel trailer.

Fifth-Wheel Trailer

Fifth-Wheel Trailer

Toy Hauler

This is essentially your travel trailer or fifth-wheel trailer plus some extra storage space. They tend to run a little more expensive, but that space makes them perfect for those who do not like to pack lightly.

Toy Hauler

Toy Hauler

Pop-up Camper

This is where RVing meets traditional tent camping. These are travel trailers with tent sides that “pop-up” when you need them to. They are very light and will not break the bank. You and 3-7 other people can enjoy a trip in this trailer. Also, trucks are not required. You can attach your pop-up camper to just about any vehicle.

Pop-Up Camper

Pop-Up Camper

Pop-up Hybrid

As the name suggests this is a combination of the pop-up camper and the travel trailer. Unlike pop-up campers, these trailers come with a washroom. They tend to run middle of the road when it comes to cost and can also be towed by some cars. Their size dictates how many passengers you can bring along, but you could certainly get away with 8 travellers, including yourself.

Pop-Up Hybrid

Pop-Up Hybrid

Truck Camper

This trailer is not a trailer at all. Instead it attaches to the back of your truck. This is a good option for those who are towing adverse. As the name suggests, a truck is required for this option and prices fall on the middle to high end of the spectrum.  However, if you decide to purchase a truck camper you and up to five of your most deserving friends will be able to enjoy a good time.

Truck Camper

Truck Camper

Do Travel Trailer Options Exist for Motorcycles?

Absolutely.  Also known as the tear drop travel trailer, this little option is a great choice for those looking to hitch their trailer to just about anything with an engine. From truck to car to motorcycle, this trailer is well suited for those who are looking for a quick and easy getaway. It is also light on the wallet (as is the travel trailer insurance) an always appreciated bonus. The tear drop trailer is perfect for just one or two people who embrace the minimalist lifestyle. Call Morison Insurance or complete the contact form on this page and we will be in touch to discuss your travel trailer insurance needs!

Tear Drop Travel Trailer

Tear Drop Travel Trailer

What Are Some Great Travel Trailer Destination Ideas?

So.  Now that you have your travel trailer, and travel trailer insurance policy ready to go, you may be looking for some destination idea.  From rivers and forests to lakes and waterfalls it is hard to go wrong as far as destinations in Ontario. At any point you are only a few hours’ drive from escaping the cities and staring up at the starry night skies. However, if you are just getting started, here are a few suggestions:

Algonquin Park

This is probably the best park for the new camper. Perhaps, you have hiked through its forests before during a canoeing trip, but did you know it also provides sites for travel trailers? When booking, simply look out for their “developed campgrounds”.  During the summer you can take a swim in the lake and dry off by laying on the rocks in the sun. At night you can enjoy a full view of beautiful night skies. Or if camping in the fall is more your style then you can enjoy the mosaic of reds, oranges, and yellows as the trees begin to change colours. Algonquin Park is a great destination for those who are looking for a get away from the city.

Lake Superior Provincial Park

Park your travel trailer alongside the largest of the Great Lakes! When visiting Lake Superior Provincial Park, you can enjoy views of waterfalls, rivers, beaches, and valleys. In the fall, the forest lights up with the changing leaves and you can enjoy activities such hiking, canoeing, kayaking and fishing. As visitors you will also be able to immerse yourself in the rich Indigenous history of the area. Truly a spectacular experience.

Kakabeka Falls Provincial Park

At Kakabeka Falls Provincial Park you can enjoy views of the second highest waterfall in Ontario (over 40 metres). You can also walk down to Kaministiquia River and the base of the falls where the water has revealed fossils over 1.6 million years old. The park is open all year around and offers a variety of activities. In the summer you can go birding, biking, and hiking. In the winter, trails are open for cross country skiing and snowmobiling. This is a destination for those who want to take part in numerous activities over their trip.

Fun Facts

  • There are over 400 travel trailer campgrounds in Ontario
  • You do not need to have a special bus or truck driver’s license to tow a travel trailer

 

Our Morison Insurance brokers are happy to help you with all of your travel trailer insurance needs to get you out on the road. It just takes one quick call, or you can get started by filling out the contact form on this page and we will have your travel trailer insurance policy in no time.

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Ask us anything about Travel Trailer Insurance! Call 1 (800) 463-8074 to speak with a licensed broker and get the correct answers today.

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