Whether you're towing your trailer across Ontario or parked for the season, travel trailer insurance helps protect your investment from damage, theft, and liability. Morison Insurance works with leading insurers to build coverage that fits how and where you use your trailer.
Not all recreational vehicles need the same coverage. Here's how to find the right policy for your needs:
For self-propelled motorhomes (Class A, B, C)
For towable trailers used seasonally or year-round
For stationary or semi-permanent units
Not sure which policy you need? A Morison broker can help you choose the right coverage based on how your trailer is used.
Travel trailer insurance is a policy designed for non-motorized trailers that are towed by a vehicle or parked at a campsite. It protects the trailer itself, your belongings inside, and your liability, filling coverage gaps not handled by auto or home insurance.
Important Distinction: Travel trailer insurance is different from RV (motorhome) insurance, which applies to self-propelled vehicles with engines.
Although travel trailer insurance is not legally required in Ontario, it is a smart coverage to have. Without insurance, damage or theft is paid out of pocket which can be costly.
You should consider travel trailer insurance if:
Coverage varies by insurer and usage. Your Morison broker confirms the right fit for your trailer and budget.
Protects your trailer whether you hit another vehicle, slide off the road, or experience damage from weather, falling objects, or animal collisions.
Coverage for stolen equipment, fire damage, malicious acts, and weather-related incidents including hail and wind damage.
Protection from flooding, burst pipes, faulty sewage lines, and other water-related incidents that can devastate your trailer.
If someone is injured at your campsite or near your trailer, liability coverage protects you from medical and legal expenses.
Your camping gear, bedding, cookware, and built-in appliances are covered against theft or damage. Note: High-value items like e-bikes, expensive electronics, or specialized equipment should be scheduled on your home insurance policy instead.
Coverage for hotel stays and alternative accommodations if your trailer becomes uninhabitable after a covered incident.
Protection when an at-fault driver doesn't have adequate insurance to cover damage to your travel trailer.
Have more questions? A Morison Insurance broker would be happy to answer any questions you may have about insuring your travel trailer.
Travel trailer insurance typically costs $400 to $2,200+ per year, depending on the trailer and coverage.
Several factors influence your premium:
|
Trailer List Price |
Estimated Annual Premium |
|
$20,000 |
$400 - $500 / Year |
|
$50,000 |
$900 - 1,100 / Year |
|
$100,000 |
$1,800 - $2,200 / Year |
Want an accurate quote for your trailer? Get Your Custom Quote
Reduce your premium with these money-saving strategies:
Morison Insurance serves travel trailer owners across Ontario, with local teams and licensed brokers available by phone, email, or online.
Don’t see your community listed? No problem. Morison Insurance can help you anywhere in Ontario. Our brokers work with clients province-wide and will happily assist you wherever you’re located.
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.
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.
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.
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.
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.
Travel trailer insurance in Ontario typically costs between $400 and $2,200 annually. Your specific premium depends on factors like your trailer's value, age, size, how often you use it, where you store it, your chosen coverage limits, and your claims history. Contact a Morison broker for an accurate quote based on your situation.
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.
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.
From weekend getaways to full-season stays, Morison brokers compare Ontario's top insurers to find coverage that fits your trailer and lifestyle.
You don't have to shop around, we'll do it for you. Speak with a Morison broker today and discover how much peace of mind really costs.
