4 Types of RVs We Insure
A travel trailer is pulled by a truck or SUV, attached by a hitch. This type of RV includes truck campers, pop ups, fifth wheels and more.
While it’s not mandatory to get insurance to tow or store your travel trailer in Red Deer, we recommend you get a comprehensive RV insurance policy to protect your trailer and its contents. If your trailer is financed, your lender will generally require you to have physical damage coverage – which is just one of the areas of coverage included in one of our policies.
You may believe your travel trailer is protected under your auto insurance policy, but this is only true for third-party liability protection and it only applies when it’s being towed. If you get into an accident and your trailer is damaged, you’ll have to repair or replace it out of pocket.
A motorhome is a drivable vehicle, a great option if you don’t have a truck. They come in three types: Class A, Class B and Class C. Class A is the largest and often the most luxurious; Class Bs are the camper vans and Class C motorhomes fall in somewhere in between. Motorhomes are often more expensive than trailers but can also come with a lot more luxuries.
If you drive or park your motorhome on public roads, you’re required to have third-party liability, accidents benefits and direct compensation for property damage coverage by law. Our policies include this protection as well as physical damage coverage and emergency vacation expenses.
Mobile homes, also known as manufactured home are an affordable option for seasonal or full-time residences. Insuring a mobile home is similar to insuring a traditional home in Red Deer – but it will need to be blocked and skirted to be eligible for coverage.
A park model is commonly used as a cabin or seasonal residence and some may even live in it full time. It’s a home manufactured on a trailer, although to be insured it must be blocked and skirted. It is similar to a mobile home.
Note: We provide up to 6 months of coverage in the U.S. for motorhome and travel trailer owners. We cannot cover RVs permanently parked or left in the U.S.