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Recreational Insurance RV & Travel Trailer Insurance

Ontario RV & Travel Trailer Insurance – Free Online Quote

Owning an RV or travel trailer in Ontario comes with a ton of benefits as our country offers so many amazing places to explore. Protecting yourself and your RV or travel trailer is important to ensure your exploring doesn’t turn sour. RV and motor home insurance is very different from travel trailer insurance as you are operating a motor vehicle versus towing a motor vehicle.

Family singing at picnic table by the camper trailer in nature. Man is playing a guitar.

Our Travel Trailer Insurance Coverage

A travel trailer is not a motor vehicle and for that reason it does not require its own auto insurance policy. When the trailer is being towed it receives the same liability coverage that is currently on your auto policy, however it will not receive any other coverage’s that you may have associated with your auto policy such as comprehensive or collision coverage. Your property insurance typically covers the contents of your travel trailer but often times this may not be enough. That is why McDougall Insurance has a specialized travel trailer insurance package that acts as its own separate policy. This package offers increased contents coverage, liability coverage and physical damage coverage to properly cover your travel trailer.

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Our RV & Motor Home Insurance Coverage

Your RV or motor home acts as your home on wheels and should be treated that way, however because it is a recreational vehicle and can be driven independently, it requires its own auto insurance policy. There are many variations of recreational vehicles from camper vans to bus conversions. As a result motor homes are organized by 3 classes; A, B and C. The rate you pay for your RV insurance will depend on these classes, as well as how much you use it and the value of the RV. Let one of our insurance experts help find you the proper RV or motor home insurance to protect you, your motor home and the contents within. When the unexpected happens you’ll be ready.

Ontario RV & Travel Trailer Insurance – Free Online Quote

Ontario is home to some of the best RV & Travel Trailer destinations in the world. You can go anywhere you want in your mobile home or travel trailer and bring the comfort of home with you. Why not visit the unique sand dunes bridging Lake Ontario and West Lake in beautiful Prince Edward County? Take the family to explore the 1000 Islands or Muskokas. Head up North and find out what the wilderness has to offer in Bancroft or Algonquin Park. Or discover your own hidden gem no one else knows about? Do all of this while knowing McDougall Insurance & Financial has your RV or travel trailer protected with comprehensive travel trailer and RV insurance all Ontario residents can trust. Now all you have to worry about is finding your next destination.

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Camper used during summer vacation. Travel concept

Our Travel Trailer & RV Insurance Experience

At McDougall Insurance & Financial we know that RV and travel trailer insurance require very different coverage. Knowing the difference between the two is important when it comes to finding the right recreational vehicle insurance policy.

Recreational vehicles, such as motor homes or travel trailers can be difficult to understand and everyone’s situation is unique. That is why when it comes to recreational vehicle insurance, it is important to have a broker on your side. Let one of our experts take care of you and your family, so you can enjoy your RV the way it was meant to be.

FAQ Travel Trailer & RV Insurance

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.

Areas We Serve

  • Arnprior
  • Bancroft
  • Barrie
  • Barry’s Bay
  • Belleville
  • Brighton
  • Brockville
  • Carleton Place
  • Cobourg
  • Cornwall
  • Courtice
  • Crysler
  • Eganville
  • Embrun
  • Gananoque
  • Kemptville
  • Kingston
  • Madoc
  • Midland
  • Morrisburg
  • Napanee
  • North Bay
  • Orillia
  • Oshawa
  • Ottawa
  • Parry Sound
  • Pembroke
  • Penetanguishene
  • Perth
  • Petawawa
  • Peterborough
  • Picton
  • Prescott
  • Prince Edward County
  • Sudbury
  • Trenton
  • Wellington
  • Winchester

What Our Customers Are Saying

Ashley S

Before working with McDougall/Bickerton I had been with my previous broker for years – a half decade or more I think – and I didn’t feel like I was getting the best deal anymore. I contacted Jon Borrello and right away I knew I’d found someone I could trust not only to find me a great deal, but to go to bat for me. Jon ended up saving me hundreds, and my coverage is excellent. I’m so happy with the service I have received that I happily refer my friends to him whenever they ask if I “know a guy in insurance”. Yeah, I know a guy. And he’s awesome!

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Rhonda Murray

We have been a customer of McDougall Insurance for 15 years and can’t say enough good things about them. We have had the pleasure of working with Gary for the entire time and honestly can’t imagine having the trust I have with anyone else. Gary takes our calls, emails and texts any time we need his help. He has worked evenings and weekends in such an efficient manner that we’ve barely had the time to ask and it’s already been taken care of. He not only keeps us up to date on anything new with our policy he also recommends ways we can save money and improve our coverage. We highly recommend McDougall Insurance to anyone who wants knowledge, friendly customer service and 100% dedication.

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Mark Dunwoodie

I am so happy that I switched over to McDougall/Brister Ever since I did I have had no issues at all Shannon Leblanc is always a great help and treats like a friend I would highly recommend this to everyone

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Meagan Froats

I have had great experiences with Brister/McDougall. My insurance rate goes down every year. I am contacted and told of other options available to me. My boyfriend just changed to Brister/Mcdougall and it cut his monthly payment in half. Couldn’t be happier.

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