Okotoks RV Insurance

What does an RV insurance policy cover in Okotoks?

Comparing an RV insurance policy to your friends’ policy is like finding a match for your fingerprints. No two policies are the same. Why?  Every insurer is different and your coverage reflects your RV, how you use it and your individual choices for protection.

Below is a snapshot of a basic RV insurance policy in Okotoks sorted by RV type:

Travel Trailer

A basic trailer insurance policy includes:

• Physical damage for your trailer, its contents and any outbuildings
• Roadside assistance
• Emergency vacation expenses

We can also provide premises liability for units on a rented lot or personal liability for those temporarily living in their RV (or travelling full time).

Motorhomes

Standard coverage for a motorhome includes:

• Third-party liability, direct compensation for property damage and accident benefits (typical of auto insurance)
• Physical damage to your motorhome, its contents and any outbuildings)
• Emergency Vacation Expenses

Some of our policies also include roadside assistance. We can provide premises liability for motorhomes parked on a rented lot or personal liability if you’re temporarily living in your RV or travelling full time.

Optional Insurance Coverage for RV Owners in Okotoks

We all know that options normally cost more money. But optional RV insurance coverage will save you money in the long run, especially if you have an accident or theft along the way.

5 Add-Ons for your Recreational Vehicle

While there are several add-ons to consider for your RV, below we detail the most common additions.

Full-Timer Insurance & Snowbirds

If you’re travelling full-time in your motorhome or trailer or live in your mobile home or park model full-time, you’ll have different insurance needs to someone who just uses their RV for camping in the summer. Our brokers help ensure you have the right protection for your needs based on your individual situation.

Guaranteed Replacement Cost

Depending on the age of your RV and which type of RV you own, you may be eligible for Guaranteed Replacement Cost coverage. This is a loss settlement option that covers the full cost of replacing your RV if it’s a total loss by an insured peril. Speak to a broker about the full details and to find out if your RV is eligible.

Increased Coverage & Limits

If you’re someone who brings a lot with them camping or may live in your RV seasonally, you may want additional coverage for your RV’s contents. We offer a few levels of protection for contents and personal belongings. You should also let us know if you’re travelling with high-value items or things not normally found in a trailer when camping. We can help ensure you’re covered or advise if you’re not.

Increased Coverage & Limits

You may want additional protection for your belongings or liability. We offer several levels of protection, so talk to one of our Leduc RV insurance brokers for more details.

RV Sharing or Rentals

You love your travel trailer but only use it six times a year when the weather warms up. You’ve loaned it out a few times to friends but otherwise it sits in your storage facility and collects dust. You’re thinking about making some extra money by renting out your RV.

Did you know that your RV insurance won’t cover you if you rent out your RV? That is, unless you inform your insurer and list your RV on an approved RV sharing or RV rental platform. You’ll also need to add an endorsement (add-on coverage) to your RV insurance policy. This way, you can make some money without worrying if you’ll be covered!

What is NOT covered under an RV Policy in Okotoks?

While a basic RV insurance policy in Okotoks covers you for many perils and unexpected events, it’s not designed for problems that are preventable by proper care and maintenance. Here are a few common exclusions on RV insurance in Okotoks:

• Rodents, vermin and insects
• Mold or rot damage
• Deterioration
• Material, workmanship, or design defect
• Certain sources of water damage
• Slow seepage or leakage
• Intentional or criminal acts by you
• Damage done by your pet

The best way to avoid all the above situations is to take preventative measures. This includes regular maintenance on your RV and checking for issues. It’s much easier and more affordable to take care of problems like rodents if you catch them early and take action quickly.

Your policy will have a full list of exclusions. If you have any questions, feel free to give us a call or send us an email – we’re happy to help!

Will an RV insurance policy cover personal belongings?

Yes, your RV insurance covers personal belongings that you’d normally take camping like clothing. Talk to your broker about what you bring in your RV to ensure it’s covered.