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Do I Need Insurance for My Travel Trailer?

Any RV trailers require insurance, but a travel trailer is not required by law in Ontario to have its own insurance policy because it is not motorized. However, this does not mean that your auto insurance policy will cover the trailer when it’s parked or provide you with all the coverage you need when in tow. To ensure your mobile home is protected from a range of risks, learn more about travel trailer insurance and why you need it.

What Your Standard Auto Insurance Policy Will Cover

It’s important to read the fine print on your insurance coverage for your vehicle. The insurance will typically extend from the towing vehicle, but it will be limited. Depending on the insurance provider, the liability and accident benefits may be extended, but rarely will the collision and comprehension coverage also cover the trailer. This means if you were involved in a collision with another vehicle or a guard rail, for example, your standard policy would not cover the repairs and replacement of your trailer. You would need a separate policy for that.

What Trailer Insurance Will Cover

Comprehensive and Collision Coverage

Comprehensive coverage will protect your travel trailer from vandalism, theft, water damage, falling objects, and lightning. In addition, collision coverage will pay for any losses and damages incurred in a collision with other vehicles, the ground, or other objects.

Contents Coverage

Trailer insurance will provide coverage to replace personal contents if they are stolen or damaged in an accident.

Standard Emergency Roadside Assistance

If you get stuck on the side of the road, free emergency roadside assistance is just a call away.

Water Damage Protection

You’ll also receive water protection to cover any loss or damage due to incremental weather or a sewer backup.

Liability Coverage

Protection goes above and beyond your auto policy liability to cover you for unforeseen incidents such as bodily harm caused by a trailer that becomes unhitched.

Additional Endorsements To Consider

Depending on the type of trailer and the coverages already in place, you might want to consider adding endorsements to enhance your trailer coverage. Common ad-on include guaranteed replacement cost to provide a new model if it costs more than the covered claim, out-of-country travel coverage for longer stays down South, and emergency vacation expense if your trailer is destroyed while you are on vacation. Rental coverage options are also available if you plan to list your trailer on a sharing platform. You might consider an extended warranty for the appliances and frozen food protection if you spend significant time in your trailer. Not sure what coverages you need for your travel trailer? Whether you own a travel trailer, park model trailer, truck camper or tent trailer, our MLS Insurance brokers can assist you in finding the right type and amount of coverage for your needs.
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