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Medicine Hat RV Insurance

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If you love camping and use your RV as a temporary home-away-from-home, it’s important to get RV insurance in Medicine Hat that protects you and your RV.

At RV Direct, our brokers are here to help get you the right coverage for your needs at the best possible price. We can help ensure you’re covered should an unexpected disaster derail your camping plans and get you back out there as quickly as possible.

Different Types of RVs We Insure in Medicine Hat

There are many shapes, sizes and types of recreational vehicles to choose from in Medicine Hat. At RV Direct, we insure four types of RVs.

Travel Trailer
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
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!

Mobile Homes 
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
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.

What does an RV insurance policy cover in Medicine Hat?

Whatever type of recreational vehicle you choose to purchase in Medicine Hat, you’ll need a RV insurance policy that matches your budget and your lifestyle. Below we cover what a typical insurance policy covers for each type of RV we deal with.

Travel Trailer

A basic trailer insurance policy includes:

  • Physical damage for the trailer, its contentsand outbuildings)
  • Roadside assistance
  • Emergency vacation expenses

We can also add premises or personal liability, if required.

Motorhomes

Your motorhome insurance policy will include:

  • Third-party liability, direct compensation for property damage and accident benefits (typical auto policy coverage)
  • Physical damage for the motorhome, its contents and outbuildings)
  • Emergency Vacation Expenses

Some of our policies also include roadside assistance. We can also add personal or premises liability if required.

Mobile Home & Park Model

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

  • Personal or premises liability
  • Physical damage for your home, contents and outbuildings
  • Additional living expenses or emergency vacation expenses

Your mobile home or park model must be blocked and skirted for your insurance policy to be valid.

Explaining What’s Covered by RV Insurance in Medicine Hat

Most of our policies have these components:

  • Physical Damage
  • Liability
  • Emergency Vacation Expenses
  • Roadside Assistance

Physical Damage

Our policies cover damage caused by an insured peril to your RV, its contents and outbuildings such as decks and sheds. Insured perils include wind, hail, fire and more. Some perils are sold as an optional add-on (such as overland water/flood insurance).

Liability

Depending on your RV, there are different options for liability coverage:

  • Premises Liability – If your RV is parked on rented or leased lot and someone gets hurt or injured while visiting you, you’ll have financial protection if you get sued.
  • Comprehensive Personal Liability – If a visitor to your RV gets hurt, or you unintentionally cause damage to someone’s property and get sued, this can cover legal expenses, damages and medical costs. This is usually covered by your homeowners policy.
  • Third-Party Liability – For motorhomes, this covers you if someone is hurt or has their property damaged after an accident. It helps cover legal and medical expenses.

Emergency Vacation Expenses

If you have a covered claim while you’re on the road, emergency vacation expenses can help cover the extra costs of accommodation or transportation to get you home, continue your vacation or wait while repairs are sorted out.

If you have a park model or mobile home policy, you may have Additional Living Expenses. These cover additional expenses if you’re forced from your home due to a covered claim or mandatory evacuation for an insured peril. For example, if you need to leave your home due to a wildfire or mandatory evacuation because of a wildfire, this coverage can help cover your extra food, accommodation and transportation costs.

Make sure you keep your receipts as in most cases, you must pay up front and be reimbursed later.

Roadside Assistance

Our trailer (and some motorhome) policies come with basic roadside assistance. If you’re locked out, run out of gas, or need a tow, this coverage can help cover the costs. Keep in mind that the tow kilometres are limited – you may want additional protection if you’re driving to remote areas.

Optional Insurance Coverage for RV Owners in Medicine Hat

4 Add-Ons for your RV in Medicine Hat

 

Full-Timer Insurance & Snowbirds

While this isn’t technically an add-on, as a full-timer, your RV lifestyle impacts your RV insurance considerations.  Work with our experienced brokers to insure you have the right coverage for your travels and understand the limitations to your protection. For example, we can only cover you for up to 6 months spent in the US. You may also require extra contens protection.

Additional Roadside Assistance

Wherever your travel takes you, consider extra roadside assistance. Why?  It’s impossible to predict what will happen and additional roadside assistance gives you more peace of mind while you travel. Here are a few perks of having elite status on your adventure:

  • Extended towing mileage
  • Trip planning
  • Travel and emergency medical advice
  • Pet assistance

Extra Coverage Limits for your Items

We offer multiple levels of protection for your RV’s contents. Make sure you choose the right amount and let us know if you’ll be travelling with anything not typically brought camping or anything very high value. You may need additional protection.

What is NOT covered under an RV Policy in Medicine Hat?

While excellent insurance coverage does protect you from many hazards and mishaps, there are situations where RV owners won’t be covered.

Below are a few areas that your insurance policy won’t cover:

  • Wear and tear
  • Rodents, vermin or insects
  • Mold or rot damage
  • Slow leakage or seepage
  • Material or workmanship defects

Keeping up with RV maintenance is important for Medicine Hat residents. Proper maintenance can prevent many of these issues. Taking care of problems quickly helps keep costs down and ensures they don’t become huge.

Will an RV insurance policy cover personal belongings?

Your RV insurance does cover your belongings – anything normally taken camping like kitchen stuff, clothing, linens and general camping items. If you’re bringing something above and beyond, check with your insurer or RV broker in Medicine Hat about whether your stuff is covered or not..

Why Choose RV Direct for your RV Insurance in Medicine Hat

With our experience and expertise, RV DIrect can get you an RV insurance policy in Medicine Hat that will help you sleep soundly at night.

We offer:

  • Customized coverage for your needs.
  • We specialize in RV insurance in Medicine Hat and have years of experience.Faster response times with in-house underwriting.
  • Emergency vacation expenses with every policy.
  • Exceptional customer service.

How to Get an RV Insurance Quote in Medicine Hat