Airdrie RV Insurance

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Are you an Airdrie resident who loves the RV lifestyle? Camping, exploring, and adventuring is much easier these days (and much more comfortable) in a recreational vehicle. While this is the fun part, it’s also important to consider things like insurance to protect your relaxation time. Luckily, we’re RV insurance experts and we’re here to help you.

What are the different RVs we help you Insure in Airdrie

There are so many shapes and sizes of RVs on the market in Alberta, that it may make your head spin. At RV Direct, we can insure four types of RVs: travel trailers (towed trailers), motorhomes, mobile homes and park models.

Below we go over the 4 types of RVs.

4 Types of RVs

 

Travel Trailer
If you want an RV for weekend trips or summer vacations, a travel trailer is a great bet. The towable travel trailer comes in all sizes and shapes with amenities from the basics to full luxury.

A travel trailer insurance policy helps Airdrie residents protect their trailer and belongings and can provide extras like roadside assistance and emergency vacation expenses.

Motorhomes< Motorhomes are driveable RVs that come in three categories: Class A, B and C. From basic camper vans to luxurious motorhomes, these vehicles offer a lot of flexibility for travelers. Because a motorhome is a vehicle, you’ll also need third-party liability insurance in addition to physical damage coverage for your RV and its contents.

Mobile Homes
Sometimes called manufactured homes (depending on your insurer), insurance for mobile homes is like a standard homeowner’s policy which includes property coverage.

You can get coverage whether you use your mobile home year-round, seasonally or if you want to rent out your home.

Park Model
Similar to a mobile or manufactured a home, a park model tends to be smaller. They’re commonly used for seasonal or year-round residences.

What does an RV insurance policy cover in Airdrie?

An RV insurance policy will vary depending on the insurer, but in general there are some main coverage options for each recreational vehicle type in Airdrie.

Travel Trailer

A basic trailer insurance policy includes:

  • Personal or premises liability
  • Physical damage for the trailer, its contents, and any outbuildings
  • Roadside assistance
  • Emergency vacation expenses

Motorhomes

Standard coverage for a motorhome includes:

  • Third-party liability/accident benefits (covers legal and medical expenses if you’re in an accident)
  • Direct Compensation Property Damage (covers physical damage to your motorhome if you are not at fault or are partially at fault in an accident)
  • Physical damage (motorhome, contents, outbuildings)
  • Emergency Vacation Expenses

Mobile Home & Park Model

The basic coverage options for a Park Model and a Mobile Home:

  • Premises liability
  • Physical damage (home, contents, outbuildings (e.g., garden shed)
  • Additional living expenses

Note: Your mobile home must be blocked and skirted for your insurance policy to be valid.

Optional Insurance Coverage for RV Owners in Airdrie

There are a wide range of coverage add-ons for RVs – everything from a water protection endorsement to rental sharing.

Below we summarize the most common optional coverages you can get for your Airdrie RV.

5 Add-Ons for your Recreational Vehicle

 

Full-Timer Insurance & Snowbirds

Full-timer insurance is geared towards people who are living full-time in their recreational vehicle, whether they’re travelling constantly or stay in one place. Your insurance may need to be adjusted if you’re a full-timer or snowbird to ensure you’ve got adequate protection.

Roadside Assistance

If you’re travelling frequently from your home base in Airdrie, you’ll likely want to invest in roadside assistance for your RV. Luckily, our policies come with the basics for trailers and motorhomes, but you may want to increase your roadside assistance coverage.

Loss Settlement Options

Your loss settlement options determines how your insurance company will settle your claim if your RV is an insured loss (such as determined to be a write-off after a hailstorm or fire).

There are 4 settlement options:

  • Actual cash value (cheapest option)
  • Replacement cost
  • Guaranteed replacement Cost
  • Guaranteed purchase price (Up to 5 years old)

The age of your RV and the type of your RV will determine which loss settlement options are available to you. Speak to an RV Direct broker in Airdrie to get more information.

Increased Coverage & Limits

Policy limits refer to the maximum amount of money that your insurer can pay you based on an insured loss. This limit is decided at the time you set up your RV insurance policy.

If you own an RV, it’s important to have enough coverage for all your personal items.

Consult with one of our RV brokers and they will explain the ins and outs of policy limits and coverage.

RV Rental or RV-Sharing

If you want to rent out your RV when you’re not using it, you’ll need to participate on an approved platform and purchase an endorsement to remain insured. Otherwise, if something happens and your RV is damaged, you won’t be covered.

What is NOT covered under an RV Policy in Airdrie?

RV insurance protection in Airdrie is security and peace of mind when the unexpected happens.

But not everything situation is covered, as some scenarios are preventable.

Here are a few situations that may not be covered under your insurance policy:

  • Rodents, vermin
  • Mold or rot damage
  • Deterioration
  • Material, workmanship, or design defect
  • Certain sources of water damage
  • Wear and tear

A full list of exclusions can be found in your policy documents.

Will an RV insurance policy cover personal belongings?

Yes, your RV insurance will cover your personal belongings that are in your RV. It’s important to ensure you have adequate contents coverage to ensure you’re properly insured, so talk to one of our Airdrie RV insurance brokers about how you plan to use your RV and what you’ll be bringing with you.

Keep in mind that toys like ATVs and golf carts may require separate or add-on coverage.

Why Choose RV Direct for your Recreational Vehicle needs in Airdrie

We are RVers at heart, so we understand the importance of adequate insurance protection for your RV lifestyle. On a weekend trip or a long holiday, we want you to tik off all the boxes on your to-do list and have a relaxing journey without any worry.

Here are few other major ways we can help you:

  • Competitive, affordable prices.
  • Tailored coverage.
  • Experienced brokers who specialize in RV insurance in Airdrie
  • In-house underwriting
  • Emergency vacation expenses with every policy.
  • Exceptional customer service.

Why should I Get a Free Personalized Review for my RV insurance policy in Airdrie?

What better way to get the correct insurance policy for your RV needs in Airdrie. A free personalized program lets us evaluate your unique insurance needs.

Our policy for you and your friend who also has a motorhome will be different. There are multiple factors that come into play when determining your policy and insurance rates.

Sign up today for free review with one of our talented RV brokers by your side.

How to Get an RV Insurance Quote in Airdrie