Fort Saskatchewan RV Insurance

Whether you’re camping locally near Fort Saskatchewan or venturing out further afield across Canada or the US, investing in an RV insurance policy can help protect your rest and relaxation time. At RV Direct, we’re RV insurance specialists and offer comprehensive, affordable protection for four types of RVs: trailers, motorhomes, mobile homes and park models.

Trailers are any RV that’s towable by a regular vehicle. They can be very basic or very luxurious and come in a huge variety of types and sizes. They include truck campers, travel trailers, pop ups, hybrids, toy haulers, fifth wheels and more.

Motorhomes are RVs with a motor and are driveable without any tow vehicle. There are three categories of motorhomes: Class A (the largest), Class B (camper vans) and Class C (inbetween). These units are often quite expensive, even used. They also require third-party liability and accident benefits coverage as they are vehicles.

Mobile homes and park models are similar to insure as homes, whether you live in them seasonally or year-round. These homes are usually more affordable and are transported by truck to their final destination. They must be skirted and blocked in order to be insured.

Travel Trailer

A basic trailer insurance policy includes:

• Repair or replacement of the trailer, its contents and any outbuildings damaged by an insured peril
• Roadside assistance
• Emergency vacation expenses

We can also add personal or premises liability if required.

Motorhome

Standard coverage for a motorhome includes:

• Third-party liability, direct compensation for property damage and accident benefits, typical for auto insurance
• Physical damage caused by an insured peril to the motorhome, its contents and any outbuildings
• Emergency vacation expenses

We can also add liability coverage if you’re parking your motorhome and some policies will include roadside assistance.

Mobile Homes & Park Model

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

• Physical damage caused by an insured peril to your home, its contents and any outbuildings.
• Premises or personal liability
• Additional living expenses

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

What is NOT covered under an RV Policy in Fort Saskatchewan?

While a motorhome or trailer insurance policy covers unexpected events, physical damage, and much more, there are certain situations that your policy will not cover you.

Here are a few scenarios that you are responsible for an RV owner:

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

The best way to avoid damage to your trailer is to take care of your recreational vehicle like it’s your home, or better. A good precaution is to get regular maintenance on your trailer or motorhome, so you’re not left with pesky repair bills.

A deep clean after a long trek in your RV and learning how to maintain all the pumps, hoses and other equipment will help you avoid any unnecessary problems.

Your policy documents will outline specific exclusions. It’s important to read these through. If you have any questions, we’re here to help.

Will an RV insurance policy cover personal belongings?

Yes, your personal belongings are covered by your RV insurance policy. However, this only applies to items normally taken camping. If you have expensive items such as jewelry, sports equipment or electronics, you should speak to one of our RV insurance brokers in Fort Saskatchewan.

Why Choose RV Direct for your Recreational Vehicle needs in Fort Saskatchewan

We are RVers at heart and love the excitement of hopping into our rig for a last-minute camping trip. We understand your specific needs as an RV owner in Fort Saskatchewan.

Here are a few ways we go above and beyond for you.

First and foremost, we are RV insurance specialists.

But we also provide:

• Quotes from multiple RV insurance companies
• In-house underwriting
• Year-round protection
• We write high-value motorhomes and older RVs.
• Full-time travel coverage, overland water (flood) protection, emergency vacation expenses, roadside assistance, and more!
• Exceptional claims support and customer service
• And more!