There's nothing quite like life out on the open road. Whether you've planned a careful route hitting all of Ontario's most scenic spots, or are embarking on an ambitious trip across the country—no plan except wherever the wind takes you, or at least, the road—it's important to protect your travel trailer with the right insurance policy.
Travel trailers are your mobile home away from home. As such, it is important to ensure you and your travel trailer is properly protected from the risks you face while enjoying life on the road. One’s needs with a travel trailer are different than what a typical car insurance plan can offer. You require a unique set of coverages to ensure you and your trailer are protected! 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 for your unique travel trailer insurance needs. We will keep you and your trailer on the road so you can focus on your travels!
Travel trailer insurance protects the non-motorized, recreational vehicle that you are towing. This is an important distinction from RV insurance, as an RV is a motorized vehicle. Subsequently, the two mobile homes have different insurance needs. When it comes to protecting your travel trailer, 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.
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. What many travel trailer owners don't realize is that damage 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. This could be financially taxing—not to mention, put a halt in your summer plans to camp throughout our beautiful province. Travel confidently with the right policy for you.
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 policy. If you do not have insurance for your trailer and you experience a loss such as damage, theft, or water damage, you will be required to pay for these losses out-of-pocket. If you had the proper travel trailer insurance policy in place, this would be covered.
Picture this, you are planning a road 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. With all the insurance options available, travel trailer insurance may seem too daunting to bear. Fear not, fellow traveler, 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 provides protection from a wide range of perils that you may experience while out adventuring on the open road, or while you're living full-time in your trailer—as we dive into in the following sections. If you require additional protection, extra coverage can be added to your trailer policy. An insurance broker will be able to assist you in determining what coverages you need to ensure your trailer is properly protected, based on your unique needs and concerns. At Morison Insurance, we're passionate about finding comprehensive insurance solutions for our clients' problems. We don't want you to by worrying about an accident and what that could mean for your travel trailer. Rather, we want you to enjoy the freedom of enjoying the great outdoors in comfort.
Whether your travel trailer is your permanent residence or your summer escape, as any driver knows there are other ways a vehicle can be damaged aside from a collision. This is where comprehensive coverage comes in. This policy can cover damages related to a range of reasons, such as weather conditions including hail or fast winds, damage from falling trees and branches, or if you hit a pole or an animal (as opposed to a vehicle). An added benefit of comprehensive coverage is that it can also protect your travel trailer from theft, vandalism and fire. Since for a period of time you'll be living out of the trailer, whether temporarily or permanently, it's essential that you protect it from these risks.
This type of insurance covers damages that happen through an accident. This could be a collision where your vehicle collides with another vehicle, or vice versa. It does not matter if one or both of the vehicles were moving. For instance, if you slid into a parked vehicle this would still be considered a collision. What's important to know is that collision coverage protects your travel trailer no matter who is at fault.
Since you're in a travel trailer, it's likely you plan on being on the road at some point. The risks of being on the road are greater than being stationary, and one of these risks is that you, a passenger or a pedestrian could be hurt in an accident. If this is the case, you will be grateful you have accident benefits coverage. This type of insurance provides compensation in the event someone is injured in an accident, regardless of who is at fault. It covers a range of medical bills, such as rehabilitation treatment and other recovery services. Depending on the policy, accident benefits coverage can also provide income replacement if you're unable to work due to an injury. Accident benefits coverage is sometimes referred to as medical payments coverage or medical costs coverage.
Flooding, whether internal or external, can wreak havoc on your travel trailer. An example of this could be a faulty sewage line that bursts and leaks throughout the trailer, or being stuck in a flood while on the road. Water damage is devastating, so you should be prepared with the right insurance policy. Protect your travel trailer from water damage and gain better peace of mind with travel trailer insurance.
The term contents refers to personal property. This includes a wide variety of personal belongings that you have in your trailer such as TVs, appliances, satellite dishes, and more. Property damage or theft can be devastating while you're on the road. And while some possessions are replaceable, the replacement cost can be financially overwhelming. For instance, if you work remotely while on the road and are forced to buy a new laptop or camera equipment due to theft, you could be strained financially. Prevent this headache with the right insurance policy.
Being stranded on the side of the road because of a problem with your travel trailer—say you got a flat tire while driving—is a real pain in the neck. Not to mention the cost of paying for roadside service. The same follows if you accidentally lock yourself out of the camper and require a locksmith service. However, with standard emergency roadside assistance insurance, you can protect yourself from the cost of having to pay for standard repairs.
Should an accident occur and you are not at fault, that doesn't mean that the other driver is legally insured, or that he or she has the adequate insurance to cover the physical damage to your travel trailer. This can leave you in a very stressful situation. Prevent this risk with underinsured or uninsured coverage. This policy will protect you if the at-fault driver isn't sufficiently insured.
While there are certainly more perils out on the open road, that's not the only place where accidents can occur. Likely, if you're spending the warmer months camping throughout the province, you'll be staying at campsites. This opens you up to a few risks as well. For instance, if a fellow camper is injured in your travel trailer, or near it while you're parked for the day, you could find yourself facing a personal liability suit. This is similar to if a person tripped and fell while on their way to your home. Liability insurance prevents you from paying out of pocket for medical and legal expenses. Legal fees in particular can wrack up quickly, and really put a damper on your vacation.
Emergencies happen, and when they do, you need to be sure you're adequately protected. For instance, if your trailer is not parked correctly, becomes unhitched and rolls down a hill, or the entrance becomes damaged and won't open correctly, then you could find yourself stranded from your mobile home. You may not have access to shelter, food or water. Not to mention, if anyone was in the trailer as it rolled they may have gotten injured. Emergency expense coverage will offset the costs of staying at a hotel while the trailer is repaired. It never hurts to have a little extra protection.
When it comes to insuring your travel trailer, and protecting yourself on the road, talk to your insurance agents about what additional coverage is right for you. There are numerous options available to protect yourself and conventional travel trailers. A few of these additional coverages include:
While this type of insurance is not directly related to your travel trailer, be sure you have adequate health insurance while traveling. Often, this is included in a travel insurance package. It can be scary enough to have a health issue at home, let alone while you're on the road. This is especially important if you live in your trailer full-time. It's just good sense to make sure you have health insurance while on the road.
If you've taken Bruno, Fluffy or Cupcake with you while on camping trips, then you need to make sure that they are adequately protected too. There are more risks for pets on the road than there are at home—especially if you like to take your pet hiking and exploring. Not to mention, you also need to consider who will take care of your pet in the event you're injured and can't be with them. For instance, some pet insurance policies will provide your pet accommodation while you recover in hospital.
This coverage is very useful in the event that an accident or problem has occurred and you're unable to use your travel trailer—permitting the incident is listed among the policy's insured perils. It provides a replacement vehicle and/or covers additional transportation costs as a result of your travel trailer needing to be repaired or replaced following a covered loss.
Do you have a travel trailer that you rent out full or part-time? Perhaps you have a stationary trailer that you lease on AirBnB while you're staying at your permanent residence. In this case, you need to have legal liability for non-owned travel trailers. This will protect you from a range of liabilities, such as if a renter is injured while using your vehicle.
As comprehensive as your Ontario travel trailer insurance policy may be, it does have some limitations that you should be aware of. It's also important to note that the following exclusions can not be added-on to an existing insurance policy.
General wear and tear or damage due to poor maintenance, and that could have been prevented through proper maintenance, will not be covered by your Ontario travel trailer insurance policy. This is for a couple of reasons. Firstly, general wear and tear is a normal part of life. It affects all structures, from your home or business to your motorized vehicles. The same is true of travel trailers. As time goes on, it's anticipated that a certain level of wear will occur.
Additionally, as the travel trailer owner, it's up to you to make sure it's properly maintained to prevent damage. This includes taking care of the interior and exterior of the trailer. For instance, prevent mold by properly cleaning small shower areas and watching for rust damage along the trailer's side.
Naturally, if you purposefully damage the trailer, you will not be covered by your insurance policy. No insurance products are available that cover intentional damage—for obvious reasons. Rather, insurance representatives are in the business of protecting you against unforeseen accidents.
In keeping with why intentional damage is not covered by your insurer, neither are criminal acts of any kind. Rather, criminal acts disclosed to your insurance broker or insurance agent will need to be disclosed to the appropriate authorities.
On average, your travel trailer insurance can cost anywhere from $25 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, whereas 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 add extra coverage which will also affect your travel trailer insurance premium.
To receive an accurate trailer insurance quote, contact our Morison Insurance brokers by giving us a call or completing the contact form at the bottom of this page!
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Yes, there are discounts available for trailer insurance such as a claims-free discount and combining your travel trailer insurance with your home insurance and auto insurance. But it does not stop there; just ask about all of the many discounts you can benefit from at Morison Insurance. Let us help you find the best insurance for your needs at competitive prices. If you are looking for travel trailer insurance, you likely have other vacation-related items you are interested in purchasing as well—and a discount might just help you on your way to having the best camping trip ever. In fact, the only thing you should be worried about is not burning your marshmallow. Leave your travel trailer insurance to us.
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 are lots, and we mean LOTS, that we can do to help you along the way with travel trailer insurance. Our team is happy to answer any questions that you have. We're in the business of fostering long-term relationships with all our clients, so you can rest assured that we'll always put your needs first.
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.
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 your 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 properly 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.
The different types of trailers include a travel trailer, fifth-wheel trailer, toy hauler, pop-up camper, pop-up hybrid, truck camper, and a teardrop 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 range. Just always keep in mind the Gross Vehicle Weight Rate (GVWR) and you should be just fine with this option.
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.
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—or for those who are embarking on a long journey across the country. Additionally, should you choose to live in your travel trailer permanently, a toy hauler may be exactly what you need.
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, and are also referred to as tent trailers. You and three to seven 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, making this a far more accessible option for most people.
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 an indoor shower—which may be a necessity, depending on your traveling style. They tend to run in the 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 eight campers, including yourself.
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.
Absolutely. Also known as the teardrop 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 teardrop 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!
So. Now that you have your travel trailer, and travel trailer insurance policy ready to go, you may be looking for some destination ideas. 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.
Did you know? There are over 400 travel trailer campgrounds in Ontario!
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.
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.
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 round, 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.
Our Morison Insurance brokers are happy to help you with all of your travel trailer insurance needs to get you out on the road. We are proud to be one of Ontario's top insurance brokers, and work tirelessly to find the best insurance coverage at competitive rates for our loyal customers. As a family-owned and operated business, we go the extra mile to make our customers also feel like family. We'll take care of finding the right insurance company for your travel trailer coverage and will diligently shop around to find you the best coverage possible. Building lasting relationships with our clients is one of our top priorities. Through providing outstanding customer service, we aim to grow with you and adjust your insurance needs as they change.
To get started today, all it takes is just one quick call at 1-800-463-8074. Or, you can get started by filling out the contact form at the bottom of this page and we will have your travel trailer insurance policy in no time. We look forward to helping you feel safer on the road, while enjoying all the natural beauty that Ontario has to offer.
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.