Calgary Travel Trailer Insurance

Protect your relaxation time with Calgary travel trailer insurance. Get a quote for comprehensive, affordable coverage today!
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Many Calgarians enjoy escaping the city to the great outdoors. A travel trailer lets you bring some of the comforts of home while you camp. Just like your home, proper insurance can help protect you financially from unexpected disasters and get you back to camping as soon as possible. At RV Direct, we offer comprehensive and affordable Calgary travel trailer insurance. Our policies start at just $200 a year and can be customized to fit your needs and budget. Contact us today to get a quote!

What is Calgary travel trailer insurance?

Calgary travel trailer insurance helps reduce the financial burden of unexpected damage or loss to your travel trailer.

Do I need travel trailer insurance in Calgary?

If you can’t afford to repair or replace your trailer if it were suddenly damaged or destroyed, you should consider travel trailer insurance in Calgary.

Why Choose RV Direct Insurance as Your Calgary Travel Trailer Insurance Brokers

Choose RV Direct as your travel trailer insurance brokers in Calgary to get:

  • Comprehensive, customized coverage.
  • Affordable, competitive prices.
  • Unrivalled expertise in Calgary travel trailer insurance.
  • In-house underwriting – which means less waiting for you.
  • Perks like included emergency vacation expense with every policy.
  • Exceptional customer service.

How to Get a Travel Trailer Insurance Quote in Calgary

You can get a travel trailer insurance quote in Calgary from RV Direct by:

Our brokers are happy to answer any questions you have about Calgary travel trailer insurance.

What does Calgary travel trailer insurance cover?

Calgary travel trailer insurance can cover the following:

  • Physical damage to your trailer, its contents and outbuildings
  • Personal liability if you are a full-timer
  • Premises liability if you own a permanent lot
  • Emergency vacation expenses
  • Roadside assistance
  • Outdoorsy rentals/RV-sharing

Our brokers will get you a policy that suits your needs and budget – you won’t be paying for coverage you don’t need.

Physical Damage

Calgary travel trailer insurance covers physical damage to your trailer, its contents, and outbuildings (like a shed or deck) from a variety of perils, including:

  • Fire
  • Smoke
  • Explosion
  • Lightning
  • Wind
  • Hail
  • Flooding (if you have the overland water endorsement)
  • Falling object like a tree
  • Impact by another vehicle, watercraft, or aircraft
  • Theft
  • Vandalism
  • Collision
  • … and more!

If you’re not sure what’s covered, our Calgary travel trailer insurance brokers will be happy to answer your questions.

Personal Liability

If you’re travelling in your trailer full-time, you’ll need personal liability coverage. This is normally included as part of your homeowner or renter’s insurance. It covers you if someone is hurt or has their property damaged due to your unintentional actions and sues you. It includes coverage for legal expenses like defense costs, settlements, and awarded damages.

Premises Liability

If you own a permanent lot, you should have premises liability. This helps cover your legal expenses if someone is hurt or has their property damaged while on your lot.

Emergency Vacation Expenses

Emergency vacation expenses helps cover additional costs if you have a covered claim. This can be used in a few ways, but it’s important to remember that these are for the difference in the costs you would’ve had and the costs you have due to the claim – not for the entire amount. You should also keep all receipts in order to ensure you’re properly refunded.

Roadside Assistance

Our Calgary travel trailer insurance policies come with basic roadside assistance. This includes:

  • Towing (limited kilometers)
  • Flat tire fix
  • Fuel delivery
  • Lockout service
  • Battery boost

You can upgrade to Elite Roadside assistance to get increased towing kilometres and other travel assistance perks.

Outdoorsy

Normally, renting out an RV is NOT covered by a Calgary travel trailer insurance policy. However, our insurer and Outdoorsy have partnered up. If you’d like to learn a little extra income when you’re not using your trailer, you can list it on Outdoorsy without worrying about your insurance.

Note: You must have purchased the Outdoorsy endorsement. You are only covered if the rental is facilitated through the Outdoorsy platform.

What isn’t covered by Calgary travel trailer insurance?

Here are a few things that Calgary travel trailer insurance doesn’t cover you for:

1. Any damage or loss caused by:
  • Wear and tear
  • Criminal activities carried out by you
  • Rodents, vermin and insects
  • Slow leakage or seepage
2. Travel to Mexico
3. Commercial use of your trailer (unless you are listing it on Outdoorsy and have purchased the Outdoorsy endorsement)

A full list of exclusions can be found in the policy documents. Your broker will also be able to help you understand what is and what is not covered.

How much does travel trailer insurance cost in Calgary?

Travel trailer insurance starts at $200 per year in Calgary. The cost will increase with the value of your trailer, your insurance coverage options, and several other factors.

What affects travel trailer insurance rates in Calgary?

The following factors affect Calgary travel trailer insurance rates:

  • Your demographics
  • Your insurance history
  • The market or purchase price of your trailer
  • The make, model and year of your trailer
  • How you use your trailer
  • Your insurance options, like deductible, policy limit, coverage, and loss settlement

How can I save money on my Calgary travel trailer insurance?

You can save money on your Calgary travel trailer insurance by:

  • Working with a broker to get the best rates and right coverage for your needs.
  • Raising your deductible.
  • Installing an approved security device.
  • Joining an approved RV club.
  • Allowing for a soft credit check (it does not impact your credit score).
  • Staying insured to build up your insurance history.
  • Bundle your insurance (we have a group program for our travel trailer clients to insure their home and vehicles)

Calgary Travel Trailer Insurance FAQs

Here are the answers to some of our most frequently asked questions about travel trailer insurance in Calgary:

Does my car insurance cover my travel trailer?

Your car insurance extends third party liability coverage to include your travel trailer while you’re towing. This does not include any coverage if your trailer is damaged. It only covers damages to others if you’re at fault in an accident while towing.

Does my home insurance cover my travel trailer?

Some home insurance companies allow you to add your travel trailer. However, this comes with some downsides:

  • Your trailer may not be insured to its full value.
  • Outbuildings may not be covered.
  • Premises liability may not be included.
  • You may not have as much coverage as with a Calgary travel trailer insurance policy.
  • Your deductible may be higher.
  • You must make a claim through your home policy if your trailer is damaged or stolen, which can lead to higher rates.

Travel trailer insurance is very affordable in Calgary. It makes sense to have a separate policy to ensure you’re properly covered while minimizing the cost to yourself.

Am I covered if my travel trailer gets stolen?

Yes, Calgary travel trailer insurance will cover you if your trailer is stolen. There is normally a waiting period to allow police to attempt to locate your trailer before your claim is settled.

Am I covered if I travel to the US or Mexico with my trailer?

We cover travel to the US but do not cover travel to Mexico. If you’re going to be in the US with your trailer for longer than 6 months, please let your broker know.

Am I covered for hail damage to my trailer?

Yes, you’re covered for hail damage with Calgary travel trailer insurance.

Are my personal belongings covered by my Calgary travel trailer insurance?

The contents of your trailer are covered under your Calgary travel trailer insurance. This extends to things normally found in a trailer like kitchen items and bedding. Things like electronics and jewellery may not be covered or may not be covered to their full value. It’s important to talk to your broker if you have high-value items or things not normally associated with camping kept in your trailer. We recommend making an inventory and discussing it with your broker to ensure you’re properly covered.

Do I need to insure my travel trailer year-round in Calgary?

Yes, we recommend insuring your travel trailer year-round in Calgary. This is for two reasons:

  1. Damage and loss can happen at any time.
  2. Our policies are priced for year-round coverage. You will likely see higher rates if you cancel every year.

I have a permanent lot, how does insurance work?

We can customize your insurance policy to include:

  • Premises liability
  • Physical damage for any outbuildings on your permanent lot
  • Increased contents coverage, if necessary

You may be eligible for a discount if you park your trailer on the permanent lot as well.

If I lend my trailer to a friend, am I covered by my Calgary travel trailer insurance?

Yes, your travel trailer insurance will cover damage or loss experienced while you lend your trailer to a friend as long as:

  • The damage was not caused by the friend intentionally or due to their criminal actions
  • You did not accept any money from the friend to use the trailer

We recommend against lending out your trailer due to the risk of damage.

Areas We Serve

Contact us for an RV insurance quote if you are in Alberta, British Columbia, Manitoba or Saskatchewan. We specifically serve these communities: