Travel trailers come in many different shapes and sizes. They are all towable trailers and include truck campers, pop ups, hybrids, fifth wheels and more. There’s a trailer for everyone’s budget and are a great option for exploring if you have a tow vehicle.
If you’ve financed your trailer, you’ll usually be required to have insurance. Otherwise, it’s a great idea to have good coverage to ensure you can get back to camping as soon as possible if the worst happens.
Motorhomes are a popular option for many Canadians. They’re often more expensive but also more luxurious than trailers. Because they’re a vehicle, you’re required to have third party liability, direct compensation for property damage and accident benefits coverage. If they’re financed, you’ll also need physical damage protection. Luckily, our motorhome policies include those types of coverages and more!
The name mobile home is often used interchangeably with a modular and manufactured home. These homes are typically manufactured off-site and moved to a property. They’re used as permanent and seasonal residences.
Insuring a mobile home is similar to insuring a traditional home, but there are some differences. It’s important to work with a broker who understands the risks and gets you the right coverage. For example, did you know your mobile home will need to be blocked and skirted to be eligible for coverage?
Park model homes are very similar to mobile homes. They tend to be smaller and most often used as seasonal residences. They also need to be skirted and blocked to be insured.
Talk to one of our esteemed RV brokers today about personal coverage needs and more.
Note: We provide up to 6 months of coverage in the U.S. for motorhome and travel trailer owners from Medicine Hat. We do not offer coverage for RVs left in the US for longer.