RV Insurance at Affordable Rates
Just like any vehicle on the road, your recreational vehicle must be properly insured. And since your home on wheels may be worth even more than your car, it’s important to make sure you have the right protection. Our brokers can help you find affordable coverage tailored to your needs.
How Much Does RV Insurance Cost in Canada?
RV insurance in Canada can range from about $600 to over $2,000 per year. Premiums depend on factors such as the value of your RV or motorhome, your age, years of driving experience, and overall driving record. Just like with auto insurance, tickets and at-fault accidents can increase your rates—but our brokers can help you find the right coverage at the most competitive price available.
What Qualifies as an RV or Motorhome?
For insurance purposes, a recreational vehicle (RV) is defined as a vehicle that combines both transportation and living quarters in a single unit. If the weight of your RV or motorhome exceeds 11,000 kg (24,250 lbs), a special class of driver’s license may be required.
RV and Motorhome Insurance: What’s Covered?
If you’re driving an RV or motorhome, you’ll need a policy tailored to recreational vehicles. A standard plan typically includes the following coverages:
Third-Party Liability
Covers you if you cause property damage or injure someone in an accident. It also includes legal fees, court-awarded damages, and settlements.
Accident Benefits
Provides coverage for medical expenses not included in government healthcare, income replacement if you’re unable to work, and even childcare costs while you recover.
Direct Compensation – Property Damage (DCPD)
If another driver is at fault for an accident, this coverage pays for repairs or replacement of your RV or motorhome.
Uninsured Automobile Coverage
Protects you if you’re hit by an uninsured driver or involved in a hit-and-run, ensuring you can still recover damages as though the driver were fully insured.
Other RV Coverage Options to Consider
Owning and driving an RV or motorhome opens up additional insurance choices beyond the basics. Here are a few options worth considering:
Collision Coverage
Protects your RV or motorhome from physical damage caused by a collision with another vehicle or object.
Comprehensive Coverage
Covers a wide range of risks beyond collisions, including fire, theft, vandalism, storm damage, and more.
Replacement Cost Coverage
If your RV or motorhome needs to be replaced due to a covered claim, this option ensures you receive either the purchase price or current market value to buy a new vehicle.
Frequently Asked Questions About RV Insurance
Is my RV covered under my home insurance?
Not usually. Most standard home insurance policies exclude RVs. A motorhome, campervan, or other drivable RV must be insured separately, just like a car. If you own a trailer, your home policy may or may not extend coverage — and even then, you’ll need to notify your broker and pay an additional premium.
Is RV insurance mandatory?
Yes. In Canada, all motor vehicles must be registered and insured. If you own a motorhome, campervan, or any RV you drive, separate insurance is required.
What is vacation liability RV insurance?
This type of coverage protects you if someone is injured or suffers property damage while inside or around your parked RV. It’s especially useful if you spend time at campgrounds, since auto liability doesn’t apply once your RV is parked or unhitched.
Does RV insurance include water damage?
Comprehensive RV insurance may cover water damage, depending on the cause. For example, damage from storms or accidents is typically included, while damage caused by poor maintenance or neglect is not.
Does my car insurance cover towing a trailer?
Your auto policy may provide liability coverage while towing, but it won’t protect the trailer itself if it’s damaged. To cover the trailer, you’ll need RV or travel trailer insurance. Once unhitched, your car policy no longer applies.
Does RV insurance cover roof damage?
It depends on the cause and your policy. Roof damage from collisions, storms, hail, or heavy snow is generally covered under collision or comprehensive insurance. However, damage from age or wear and tear is not.
Does homeowners insurance cover a stolen trailer?
Generally not. Home insurance usually won’t cover stolen trailers, campers, or RVs kept away from your property. Some policies may cover personal belongings inside, but the best protection is a comprehensive trailer insurance policy.
Are belongings in my RV covered if I get into an accident?
Yes, but limits apply. A standard RV policy may cover belongings up to about $5,000. Higher-tier RV policies allow you to increase coverage limits to better protect the contents of your motorhome.
As a brokerage working with over 70 of Canada’s leading insurance companies, we provide access to a wide range of coverage options at some of the most competitive rates in the country. Want to explore the solutions available to you? Here are just a few examples.