Medicine Hat Travel Trailer Insurance

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Imagine that you and your family are headed out for a weekend camping trip in your travel trailer. As you’re on the highway, your travel trailer suddenly becomes unattached from your vehicle. While everyone is safe, your travel trailer is damaged. Are you covered?

While you may think this would never happen to you, accidents can happen to anyone.

No matter if you’re hauling a tent trailer or a fifth wheel, it’s important to have adequate insurance coverage. You’re likely missing something if you’re relying on your auto or home policy to protect your travel trailer. Contact one of our brokers to get a Medicine Hat travel trailer insurance quote or read on to learn more about this coverage.

Is travel trailer insurance required in Medicine Hat?

Travel trailer insurance isn’t required by law in Medicine Hat. However, if you can’t afford to repair or replace your trailer after an unexpected event like a fire or hailstorm or if it’s stolen, travel trailer insurance is a good idea.

What does Medicine Hat travel trailer insurance cover?

Your Medicine Hat travel trailer insurance can be customized to include the following:

  • Physical damage for your trailer, contents and outbuildings (like a shed or deck)
  • Premises and personal liability (if you have a permanent lot or are a full-timer, respectively)
  • Emergency vacation expense
  • Roadside assistance
  • Outdoorsy rental (if you want to rent out your trailer through Outdoorsy)

Our Medicine Hat travel trailer insurance brokers work with you to understand your situation and find you the right coverage for your needs and budget.

What isn’t covered by Medicine Hat travel trailer insurance?

Medicine Hat travel trailer insurance doesn’t cover the following:

  • Wear and tear
  • Rust and corrosion
  • Wet and dry rot
  • Rodents, vermin and insects
  • Seepage or slow leakage
  • Extreme temperatures
  • Any damage caused by a criminal activity carried out by you
  • … and more.

Your travel insurance policy documents will outline any exclusions to your coverage. You can always ask our Medicine Hat travel trailer insurance brokers for clarification.

How much does travel trailer insurance cost in Medicine Hat?

Medicine Hat travel trailer insurance starts at $200 per year. It goes up based on your insurance options and value of your trailer, as well as some other factors.

What affects travel trailer insurance rates in Medicine Hat?

The following factors can affect travel trailer insurance rates in Medicine Hat:

  • The make, model and year of your travel trailer
  • The market price or purchase price of your travel trailer
  • How you use your RV
  • Your insurance options, including your deductible, policy limits, and coverages
  • Your insurance history
  • Your demographics

Am I covered if I travel to the US?

Yes, your Medicine Hat trailer insurance will cover you in the US as long as you spend less than 6 months a year there. However, you should discuss your arrangements with your broker, particularly if you plan to park your trailer in the US.

Can I just add my travel trailer to my truck/home insurance policy in Medicine Hat?

We don’t recommend relying on your truck/house insurance policy in Medicine Hat for your travel trailer protection.

Your truck’s insurance will extend the third-party liability coverage to include your travel trailer only while you’re hauling it. If you’re at-fault in an accident, third party liability covers the damages to others involved in the accident as well as legal expenses.

Third party liability protection does not cover any repairs or replacement of your trailer if you’re at fault in an accident and provides no coverage if the trailer isn’t hitched to your truck.

Some home insurance policies allow you to add your travel trailer to the policy. However, there are a few cons to doing this:

  • Your travel trailer may not be insured to its full value.
  • You may have more limited coverage.
  • You’ll need to make a claim through your house insurance which can lead to much higher rates.

A separate travel trailer insurance policy in Medicine Hat offers comprehensive and affordable protection.

Why Choose RV Direct Insurance for Your Medicine Hat Travel Trailer Insurance

Here are just a few reasons to choose RV Direct Insurance for your travel trailer insurance in Medicine Hat:

  • We’re independent, which means we work for you and not an insurance company.
  • We offer affordable Medicine Hat travel trailer insurance.
  • Our coverage is comprehensive and tailored for your individual situation.
  • We understand the RVing lifestyle because we’re RVers, too.
  • We have unparalleled experience and expertise in travel trailer insurance.

Contact us today for a Medicine Hat travel trailer insurance quote or simply to have your insurance questions answered!