Emergency roadside assistance
This add-on is great because it lets you be assured that you’ll find the help you need if your travel trailer experiences any type of breakdown on the road.
Premise liability is another important coverage you should consider. It provides protection for your travel caravan while it’s parked and covers you against injury or property damage.
Emergency Vacation Expenses
This coverage covers you for any emergency that may arise and will allow you to continue your vacation even if your trailer is being repaired.
Ontario’s mandatory RV insurance does not cover damage to your RV from weather conditions, theft, falling objects, fire, vandalism, explosions, or hitting an animal. This is the job of comprehensive coverage, which covers all these risks once you have purchased it.
Your liability coverage covers only the injuries and damages that another party sustains in an accident. But what about you? This is where collision coverage comes into action to protect your motorhome against damage or even replace it entirely in case of an accident with another vehicle.
Roadside Assistance Coverage
What happens if your RV is damaged while you are on vacation? These unexpected situations are why it is important to have roadside assistance coverage in your insurance policy.
Emergency Vacation Expenses Coverage
It’s also possible that your RV may become unusable due to damage sustained on the road. This coverage has your back when it comes to vacation expenses. It covers the cost of returning home or continuing your vacation if necessary.
No, you are not required to carry insurance coverage on your travel trailer. A travel trailer is not the same as an RV so it does not fall under the same insurance needs. When towing your travel trailer the liability extends from the towing vehicles auto policy. However, once the vehicle is parked you will not receive the coverage extending from the automobile. This is why we always recommend carrying a separate liability insurance policy for your travel trailer.
Your travel trailer is considered road legal so long as it is being towed by an insured and registered vehicle. You can also carry a specialty travel trailer insurance policy to ensure you will receive coverage on the trailer no matter what it is being used for.
For an RV or motor home you are required to carry an auto liability policy because the vehicle is able to be operated independently. You may also need to add a property insurance policy if you live out of your RV or motor home.
Because RVs can be motorized, insurance for them is very different from that of a travel trailer. While travel trailers may be partially covered by extended car insurance, RVs will require their own policy.
Your lifestyle, how often you use your trailer, and your budget will all affect the amount of coverage that you get for your travel trailer. McDougall’s travel trailer insurance brokers can help you determine how much coverage you should get for your travel trailer.