RV Insurance Ontario

Have you been thinking about purchasing an RV or Trailer, and hitting the road?

There are some things you may want to know before you make that decision, such as the type of RV (Recreational Vehicle) and the insurance costs.

Let’s take a look together:

Before the age of Internet, finding out everything you needed to know about RVing was done by word of mouth, you would ask someone at a dealership, or someone you knew who either owns a RV/ trailer or someone who has rented one in the past; heading out and making connections, and asking questions as you went. Although this still happens, technology has changed that initial research period substantially.
Now, with information right at our fingertips, the question isn’t where to get information, but can you trust it.

It’s never been easier to take a road trip.

If maybe purchasing an RV/ Trailer isn’t in the cards just yet and you want to test the waters first, then maybe renting is the thing to do to start. If you’re looking for RV rentals in Ontario, this tool allows you to search various ways. Find rentals by province, or enter your location and how far you’re willing to travel to rent.

Want to jump right in and purchase that home away from home.
With So many Types of RV \ Trailers to choose from, which one is right for you?
One of the first things you need to figure out is which is the best type of RV for your needs. The word RV or Trailer can apply to at least 10 different types of “RV”.

Do I need a special license to drive an RV?

Depending on the type of RV or Trailer you choose, there could be licensing restrictions, you will need to check these restrictions before hitting the road.
Here is a link to the information that may help you with this: 2011 changes to RV driver licensing

What type of insurance do I need?
The last thing you want to think about when traveling is if there was an accident. But we all know accidents happen. And RV / Trailer insurance helps cover the costs when it does. If you didn’t have coverage, you could be held personally responsible for expenses that put everything you work for at risk.
You could simply add your RV \ Trailer to your home or auto insurance, however the coverage is not nearly as comprehensive as having a dedicated policy just for your RV \ Trailer. And if you did have a claim it would now effect your home insurance rates.

Below are just a few of the coverages you would have with dedicated RV \ Trailer coverage:

Personal Belongings Coverage

Covers the cost of your personal belongs, up to amount listed on your policy

RV Claims Experts
Rest assured that seasoned RV Insurance experts will handle your claim, getting you and your RV back on the road as seamlessly and efficiently as possible.

Full Replacement Cost Coverage
Provides a new RV if yours is stolen or totaled in a covered claim “within the first five model years”.
Only offered in some cases.

Emergency Expense Allowance
Helps cover the cost of food, travel, and lodging if you have a covered claim away from home

Coverage for Full-Time RVers
Very few RV Insurance companies actually offer insurance for full-timers, however there may be options

How much does RV insurance cost in Ontario?

On average, your travel trailer insurance can cost anywhere from $18 to over $1,000 per month. The premium has many factors that are taken into consideration, such as: type of RV\Trailer, age of rv\trailer, cost of rv\trailer, where it will be used, how it will be used and so on.

Advice For New Travelers
For RVing “newbies,” the best advice is to test the waters slowly – take several shorter trips before committing to long-term travel. Maybe look at renting before you purchase to make sure this is for you and something you will enjoy. There is a lot of work involved in owning and travelling in an RV or Trailer. But for many it is a wonderful way to see the sites all around us.

Duliban Insurance has several companies with coverage for RV / Trailer Owners. We take a tremendous pride in providing the very best price, matched with the best service.

Still have questions about insurance coverage for RV’s?

As your hometown broker, we are here to provide you with professional insurance advice. To provide you with peace of mind, give us a call at 1-855-385-4226, email us at [email protected] or text us at 289-802-1843.