Fort Saskatchewan Travel Trailer Insurance

Protect your relaxation time with Fort Saskatchewan travel trailer insurance. Get a quote for comprehensive, affordable coverage today!
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Whether you’re a weekend warrior or escaping the cold Fort Saskatchewan winters, getting an affordable, comprehensive RV insurance policy couldn’t be easier than with RV Direct. As an independent RV insurance broker in Fort Saskatchewan, we have the experience, expertise and the best customer service around.

Looking to insure your travel trailer? Get a quote or contact us today.

Is Travel Trailer insurance required in Fort Saskatchewan?

While not required by law in Fort Saskatchewan, travel trailer insurance may be required by your lender if your trailer is financed. It’s also an excellent idea if you couldn’t afford major repairs or replacement of your trailer and its contents.
Travel trailer insurance is designed to reduce the financial burden of unexpected events so that you can get back to camping and adventuring.

Does my car or home insurance policy cover my Travel Trailer?

In some cases, your home insurer may allow you to add a trailer to your policy. However, there are some downsides to doing this:

  • Limited coverage (there may not be roadside assistance, emergency vacation expense coverage, liability coverage or protection for outbuildings)
  • Eligibility requirements
  • Your trailer may not be adequately insured
  • Home premiums will jump after a claim

Some insurers do not offer coverage for trailers at all.

Your auto insurance only extends third-party liability protection to your trailer while you’re travelling. This will not cover any damage to your trailer and you’ll need to pay out of pocket for repairs or replacement.

A separate travel trailer insurance policy is affordable and offers the best coverage in Fort Saskatchewan.

What does travel trailer insurance cost in Fort Saskatchewan?

Starting as low as $200 a year, travel trailer insurance is reasonable considering if you had an accident, it would likely cost you thousands of dollars out of pocket.

Contact one of RV Direct’s brokers to get the best premium policy match for your travel trailer.

What impacts travel trailer insurance rates in Fort Saskatchewan?

There are a number of factors that impact travel trailer insurance rates in Fort Saskatchewan, including:

  • The type of trailer you have
  • Your trailer’s year, make and model
  • The purchase price of your trailer (or cost of your trailer new)
  • The market value of your trailer (what you’d get if you sold your trailer today)
  • How you use your trailer
  • Your demographics
  • Your insurance history
  • Your insurance options like deductible, coverages, and policy limits

Concerns about price? Speak to one of our brokers. We work with several different travel trailer insurance companies in Fort Saskatchewan and can get you the most competitive prices. There are also several discounts available for things like approved security devices or if you have your trailer permanently parked.

Why Choose RV Direct for your travel trailer needs in Fort Saskatchewan?

RV Direct offers unparalleled experience and expertise for travel trailer insurance in Fort Saskatchewan. We also offer:

  • Independent advice you can trust
  • Competitive prices
  • Comprehensive coverage
  • Exceptional customer service
  • Claims support

We’re campers too, so we understand your needs and speak your language. Give us a call to see for yourself at 403-271-7831.

What does travel trailer insurance cover in Fort Saskatchewan?

Your coverage will depend on the type of trailer you have, how you use it, your coverage options and your insurer. Here are the four main areas of coverage included in travel trailer insurance in Fort Saskatchewan:

  1. Physical damage and loss to your trailer, its contents and any outbuildings.
  2. Emergency vacation expenses
  3. Personal and/or premises liability, if required
  4. Basic roadside assistance

Physical Damage/Loss Protection for Fort Saskatchewan Travel Trailer Insurance

A travel trailer insurance policy covers physical damage to your trailer, its contents and outbuildings like a deck or shed. The physical damage must be caused by an insured peril, such as:

  • Theft or vandalism
  • Collision
  • Impact by a vehicle, boat or aircraft
  • Fire, smoke, or explosion
  • Earthquake
  • Wind, hail, or lightning
  • Falling objects
  • Water damage (restrictions apply, you may also require add-on coverage)

This isn’t an exhaustive list – check your policy documents for full details. Some coverages are optional and may require additional purchase. In some cases, some protection isn’t available in all areas or under all circumstances.

Personal and Premises Liability

 

Comprehensive Personal liability

If a visitor steps into your trailer, falls and gets hurt, or you unintentionally cause damage to someone’s property and you get sued, a travel trailer insurance policy will cover your legal fees. This is usually covered by your homeowners policy. We add this if you are a temporary resident only.

Premises Liability

If your travel trailer is parked on a lot rented or leased by you and someone gets hurt or injured while visiting you, you’ll have financial protection if you get sued.  For example, your RV resort lot or storage location.

Emergency Vacation Expenses

Imagine there is a wicked windstorm that topples your trailer while it’s in the campground. Luckily, no one was hurt but your trailer is obviously out of commission. Emergency vacation expenses can help cover the additional costs for accommodation while you wait to sort out the situation or continue your vacation.

Roadside Assistance

You planned a fun road trip across the country. Your travel trailer overheated, and you ended up stranded on the highway. Towing a travel trailer is more complicated than towing a regular vehicle. Luckily, our trailer policies include roadside assistance for towing (limited kilometres), running out of gas, empty battery, or getting locked out.

This coverage can give you extra peace of mind while you’re on the road. You can also increase your roadside assistance protection for additional comfort.

What is not covered by travel trailer insurance in Fort Saskatchewan?

Your policy will include a list of specific exclusions. You should read this through and reach out if you have any questions. Here are some of the most common exclusions to travel trailer insurance in Fort Saskatchewan:

  • Wear and tear
  • Extreme temperatures
  • Rust and corrosion
  • Wet/dry rot
  • Seepage or slow leakage
  • Rodents, vermin and insects
  • Material, workmanship or design defect

What types of Optional Travel Trailer Insurance Coverage are available in Fort Saskatchewan?

If you’re a resident of Fort Saskatchewan, learn the beyond the basics travel trailer insurance information to get the most of your insurance coverage.

3 Optional Travel Trailer Insurance Options:

1. Increased Limits/Coverage
If you’re on the road a lot or bringing a lot of stuff with you, you may want increased contents coverage or additional liability limits. We offer a variety of options to suit your individual needs.

2. Extra Roadside Assistance
If you want extra peace of mind while towing, consider getting additional roadside assistance coverage. This extends the number of kilometres and can include other perks like emergency advice.

3. RV-Sharing/Rental Endorsement
If you want to rent out your RV, you’ll need this endorsement. Otherwise, you won’t be covered if someone damages your RV while renting it.

You’ll need to inform your insurer, purchase the RV-sharing or rental endorsement, and list your RV on the approved platform. Then you’ll be good to go to earn some extra money while being fully protected.

How to Get a Travel Trailer Insurance Quote in Fort Saskatchewan

With RV Direct, you can get a travel trailer insurance quote in Fort Saskatchewan the following ways:

RV Direct brokers are the best in the industry. We have become experts in helping people who love their travel trailers as much as we do. Compare our perks to other brokers. We want to share the benefits with you today.

Our experienced travel trailer insurance brokers in Leduc are ready to answer your questions and discuss your insurance options whenever you are!

RV Direct Insurance's parent company, Rogers Insurance, and CapriCMW merge to become Acera Insurance.

Click to learn more about how this merger will impact RV Direct Insurance.