Bodily Injury Liability
Liability coverage that protects you if it’s determined that you are responsible for an accident in which someone is injured or a fatality occurs. This liability coverage takes care of medical expenses, lost wages, pain and suffering. These damages can run into the hundreds of thousands of dollars or into the millions. If you don’t have enough insurance coverage, your assets (your home, bank accounts) could be at risk in case of a lawsuit.
Offers liability coverage (including emergency treatment and medical expenses for others injured in or around your RV) that’s similar to homeowner's insurance when the RV is parked and is used as a residence. Campsite liability is similar to fulltimer liability, but designed for short-term vacationers.
Sometimes known as “Section C”, this optional car/truck insurance covers repair costs if your vehicle is damaged in a collision (for example, with another car) or upset (flips over on a road).
Covers many miscellaneous losses and damages—like fire, theft, and flooding—but not collision/upset losses. Found in an car/truck physical damage policy (Insurance Bureau of Canada).
Covers the home and its contents for all risks (except those specifically excluded), and thus is the most inclusive home insurance policy (Insurance Bureau of Canada).
Comprehensive Personal Liability
If you have this coverage and are liable for damage or injury, those resulting costs are covered. Excludes damages and injuries from car/truck usage and business operations (Insurance Bureau of Canada).
This is how much you’re responsible to pay if a claim happens. For example, if your home insurance policy has a $1,000 deductible for hail and there are $5,000 in damages, you pay the first $1,000 and the insurance company pays the remaining $4,000.
These are permanent structures on your property that aren’t attached to your home. Common examples include fences, detached garages, and sheds.
Reimburses your living expenses when you’re not able to use your RV because it’s being repaired (as long as the covered loss occurs a set number of miles from your fixed residence). Common expenses covered are lodging, meals, and travel back home.
Offers liability coverage similar to homeowner's insurance when the RV is parked and is used as a residence. This coverage includes emergency treatment and medical expenses for others injured in or around your RV.
Guaranteed Replacement Cost (GRC)
This is the total cost that your insurance company pays to reconstruct or replace your mobile home, trailer, or recreational vehicle (if an insured event destroys it). For park mobiles and mobile homes, you may be covered for costs beyond the RV’s rebuild value, such as debris removal and bylaw compliance.
Identity Theft Insurance
If someone steals your identity, this optional coverage pays for identity fraud expenses—up to your insurance company's limit.
Protects your assets in case you cause injury to others or damage to the property of others with your RV, motorhome or recreational vehicle. Typically, there are two types of liability coverage: bodily injury and property damage.
Limitation of Glass
Limited Waiver of Depreciation
Loss of Use
Medical Payments Coverage
Covers the cost of doctors, hospitals and funeral expenses for you and your passengers which result from an accident involving your RV (regardless of who is at fault). This coverage also protects you if you end up in an accident while driving another person’s vehicle (with permission) or if you or your family is struck by another vehicle as pedestrians.
Medium duty tow trucks
This insurance covers trucks over one ton when used to tow a trailer or fifth wheel.
These are permanent or temporary structures that are used on the property where you park your RV, mobile home or park mobile, that aren’t attached to your RV. Common examples include tool sheds and storage containers.
Personal Umbrella Liability Policy
This policy adds extra protection to your assets in case you’re sued for property damage or bodily injury.
Personal Injury Protection
Pays for medical care, lost wages and replacement services for a party injured in a crash that involved your recreational vehicle. This coverage pays out regardless of who is at fault in an accident. The availability of Personal Injury Protection varies from policy to policy and insurer to insurer.
Replacement cost of personal belongings
RV policies give you the option to specify a total limit coverage, which can include the full value of all of your personal belongings that are susceptible to damage or loss through most insurable events.
SEF 13D (Limitation of Glass)
This optional add-on (a.k.a. endorsement) limits how much your vehicle’s glass is covered—and thus lowers your RV insurance premium. Chips and cracks from stones are excluded, but you still get some coverage if a thief breaks your window.
SEF 20 (Loss of Use)
If a claim renders your RV, trailer or recreational vehicle inoperable, this covers your rental car costs.
SEF 39 (Accident Waiver/Driving Record Protection)
This add-on (a.k.a. endorsement or rider) is available to drivers with at least 6 years of continual vehicle insurance and with zero at-fault claims. If this endorsement is on your policy and you have your first at-fault claim, this initial accident won’t end up impacting your driving record.
Suspend collision coverage when in storage
When the RV is in storage, you can suspend portions of the policy which apply only when the RV is moving on the road. For instance, you can suspend your collision coverage. This is considered a good cost-saving option as you don’t end up paying for unnecessary coverage.
Sometimes known as “liability coverage” or “Section A”, this covers you if you’re legally responsible and your recreational vehicle ends up injuring someone or damaging property (Insurance Bureau of Canada).
Total loss replacement
This coverage only applies to RV's in the first five model years. It covers the total cost to replace your RV with a similar unit, even if the replacement cost is more than the original price paid. This coverage is good protection against steep RV depreciation, in case of total loss.
Uninsured Motorist Protection
Pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. Both you and your passengers are covered for medical expenses, lost wages and other injury-related losses.
Underinsured Motorist Protection
Pays for damages that exceed the amount of coverage carried by a driver with insufficient coverage to cover your damages.
*Certain restrictions apply. For more information, please contact your insurance broker or speak with one of our advisors.