Okotoks RV Insurance

Affordable, comprehensive RV insurance in Okotoks
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Located about 50 kilometers from Calgary, Okotoks is a great place to live and visit. The city, with over 28,000 people, is a great location if you own a recreational vehicle. You’re close to the prairies, badlands, foothills and mountains. Whether you’re exploring the area or heading further afield, work with RV Direct Insurance to protect your lifestyle.

We offer affordable, comprehensive RV insurance for Okotoks residents. We can also insure you if you’re a snowbirder or if your RV is a seasonal residence parked on a permanent lot. It’s the perfect time to get an RV insurance quote in Okotoks or learn more about this important protection.

Types of RVs we Insure in Okotoks

At RV Direct, we insure four main types of RVs: travel trailers (or towable trailers), motorhomes, mobile homes (also known as manufactured homes) and park models.

Travel Trailer
Travel trailers, also known as towable trailers, are becoming more and more popular in Okotoks as people view the nomad lifestyle and an off-the-grid holiday more appealing than ever before. Trailers come in all shapes and sizes and include truck campers, pop ups, fifth wheels and more.

While it’s not mandatory to have an RV insurance policy to tow a travel trailer, it’s a good idea not to rely on your auto policy or home insurance policy to cover you.

While your vehicle insurance covers you for liability and accidental benefits for your towable, you won’t be covered for physical damages or lawsuit fees if you’re involved in an accident.

You may be able to add your trailer to a home policy (although not all insurers allow this), but you may have limited coverage and if your trailer is damaged, will have to make a claim on that policy – which means your home insurance rates will go up.

Motorhomes
There are three categories of motorhomes on the market: Class A, Class B and Class C. Motorhomes tend to be more expensive but also more luxurious than trailers and are popular with those who snowbird or travel extensively. Class B motorhomes are also a great option for two adults who want to easily move around.
Our motorhome insurance in Okotoks includes third party liabilty, physical damage and emergency vacation expense coverages. You’re required to have third party liability protection if it’s driven or parked on public roads as it is a vehicle.

Mobile Homes & Park Models
Mobile homes and park models are a great option for seasonal residences – or even permanent homes! They’re similar to insure as homes but do require skirting and blocking to be eligible for insurance protection. Our policies can cover your mobile home or park model, its contents and its outbuildings like a shed or deck.

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 Okotoks RV insurance policy by RV type:

Travel Trailer

A basic travel 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.

Mobile Home & Park Model

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

  • Premises or personal liability
  • Physical damage coverage for your home, contents and outbuildings (e.g., garden shed, deck)
  • Additional living expenses or emergency vacation expenses

Note: Your mobile home must be blocked and skirted for your insurance policy to be valid.

Optional Insurance Coverage for RV Owners in Okotoks

We all know that options normally cost more money. But optional Okotoks 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 in Okotoks

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.

Extended Roadside Assistance

We’ve all been there- a flat tire or an empty fuel tank in the middle of the highway on the way to the cottage or campground. While our trailer policies include basic roadside assistance, you may want to purchase extended coverage. This includes extended towing kilometres and other perks. Talk to one of our RV insurance brokers in Okotoks for the full details.

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.

Read More: How to protect your RV from storm damage

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 Okotoks 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 in Okotoks?

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

Why You Should Choose RV Direct for RV Insurance in Okotoks

Here at RV Direct, you’ll work with experienced RV insurance brokers in Okotoks who also camp themselves. We specialize in RVs, which means we offer:

  • Quotes from multiple RV insurance companies
  • Affordable, comprehensive coverage
  • Quick response times thanks to In-house underwriting
  • Year-round protection
  • Exceptional claims support and customer service

Give us a call or send us an email to find out for yourself why working with RV Direct Insurance is a great decision!

How to Get an RV Insurance Quote in Okotoks

It’s quick and easy. You pick your preferred way to contact us, and we’ll get back to you quickly:

Areas We Serve

Contact us for an RV insurance quote if you are in Alberta, British Columbia, Manitoba or Saskatchewan. We specifically serve these communities: