The RV insurance coverage basics.

How do I decide on what to protect with my RV?

When considering your RV insurance needs, it is important to understand the types of coverage that are available.

Our RV insurance policies are tailored to offer the right protection whether you are onsite or on the road. Our coverage not only extends to your investment in your RV unit and personal property, but also your liability while travelling on the road or while parked. We also have roadside assistance and vacation expenses to allow you to continue on your vacation if your trailer is damaged to destroyed. Thinking of renting your RV out on a RV Share site? We have coverage for that too.

Yoursurance: What you should protect for your car

Your RV/Trailer

Coverage for your trailer unit for loss or damage due to unexpected events such as fire, wind, water, theft.


Coverage for all contents in your cottage including items such as clothing, furniture, electronics and appliances - essentially anything that is movable.

Detached buildings

Coverage for other structures such as sheds or storage buildings that you may have on permanent sites.

Emergency Vacation Expense

If your trailer is lost, damaged or if you experience a mechanical breakdown while out on the open road, you will have access to emergency roadside assistance, and emergency vacation expenses.

Guaranteed Replacement Cost

Depending on the age of your trailer, this optional coverage will provide you the cost of a full replacement in the event of a total loss or damage, rather than the standard Actual Cash Value.


Coverage to allow for your recreational trailer, or park model to be rented to others through a rental network such as

Premises Liability

Coverage for legal liability arising out of use, or occupancy, on the lot where your trailer is temporarily, or permanently parked.

Water Protection

Water protection will provide coverage for sewer backup and overland water damage.


If you are claims free, parked in a supervised RV Park or have trailer/home security, you could qualify for discounts to your premiums.