Recreational Vehicles (RV) Insurance
Wherever The Road Takes You, Coverage Follows
RV insurance helps protect your recreational vehicle against accidents, damage, theft, and liability while you’re on the road or parked.
Western Financial Group is an award-winning brokerage. Our RV insurance experts will get your home away from home protected on the road.
Get the best coverage when you’re RVing
We do the insurance shopping for you. We work with Canada’s leading insurance partners to get you customized recreational vehicle coverage at the right value for you.
What’s an RV?
A recreational vehicle (RV) can be a motor home, fifth wheel trailer, camper van, tent trailer, or any other type of mobile vehicle that you use as a temporary living place when away from home.
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Did you know?
If you’re a full-timer and use your RV as a home, you’ll need insurance that covers your vehicle while parked.
You may also opt for more coverage for your personal belongings and equipment. Due to this, full-time RV insurance is generally more expensive on an extended basis.
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What coverage is mandatory for my RV?
Liability Coverage: It provides protection if you are in an accident where you are held liable for injury or death of other persons. This will also take care of any damage to third-party vehicles and property.
Accident Benefits: Helps you if you are injured in an accident. It may cover expenses such as medical bills, rehabilitation, funeral costs, loss of income due to disability.
Direct Compensation Property Damage (ON, NB and NS): Helps you with repairing damage to your RV when another insured driver is responsible for the accident.
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RV insurance FAQs for Canadians Travelers
Yes, most provinces require at least basic liability coverage to legally drive or park your RV on public roads.
The type, size, and whether the RV is self-propelled or towed affects what’s covered and the cost of insurance.
Motorhome / Class A, B, or C These are self-propelled RVs. Insurance usually covers liability, collision, comprehensive, and contents. Premiums are often higher because these vehicles are larger, more valuable, and can cause more damage in an accident.
Travel Trailer / Fifth-Wheel Trailer (towed RVs) Insurance is typically for the trailer itself, including liability for damages caused by it. You’ll need separate coverage for the towing vehicle, which may already include liability for trailer incidents depending on the policy.
Tent Trailers / Pop-Up Campers Smaller and lighter, so premiums are usually lower. Coverage may focus on comprehensive (theft, fire, weather) and liability, but collision coverage might be optional.
Towed RVs in general Often require a combination of auto insurance for the towing vehicle and trailer insurance. Some insurers bundle coverage, but check that your policy explicitly covers both.
Yes, the location of your RV can affect your coverage or premiums. Areas prone to storms, floods, or heavy snowfall may carry higher risks. Parking near lakes, rivers, or the coast can slightly increase rates due to potential water damage. Most standard campgrounds are covered under a regular policy, but remote or off-road locations might require optional add-ons. Always check your policy to ensure you’re fully protected wherever you park.
Coverage usually includes:
- Liability: injury or property damage to others
- Collision: damage to your RV from an accident
- Comprehensive: theft, fire, vandalism, or natural events
- Contents coverage: protection for personal belongings inside the RV
- Emergency living expenses: if your RV becomes temporarily uninhabitable
Your RV insurance protects you and your RV, while the campground’s insurance protects the campground itself. Always check your policy to see what’s included, especially for parked or seasonal stays.
Your RV insurance covers your vehicle, belongings, and liability. For example: if your RV is damaged by a storm, vandalism, or fire while at the campsite, or if someone gets injured because of your RV setup, your insurance handles it.
The campground’s insurance typically covers their property and general liability. For instance: if a tree falls on their building, or another camper slips on their property, the campground’s policy responds, not yours.
Most RV insurance policies offer storage or off-season coverage, which protects your vehicle while it’s not on the road. Typically, this includes comprehensive coverage protection against fire, theft, vandalism, or weather-related damage but may exclude liability or collision coverage since the RV isn’t being driven.
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