RV Insurance in Alberta

Protect Your Recreation & Relaxation Time with RV Insurance
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Are you a summer weekend camper? Do you snowbird in your RV? Whether you’re in a campground, on a permanent lot, or boondocking, RV insurance can help protect your recreation and relaxation time. RV Direct Insurance brokers specialize in RV insurance – and we’re campers, too. We understand what protection you need and how to get it.

Get an RV insurance quote online or learn more about what this coverage includes. We’ll explain how recreational vehicle works in Alberta, how to get the best coverage, and how much it will cost.

Why RV Direct Insurance?

Here are a few reasons you should choose RV Direct Insurance:

1- We specialize in RVs. We give the best information when it comes to coverage or claims for RVs.

2- We camp, too. We understand what matters to you and how to protect it.

3- We offer comprehensive, affordable coverage – the best you can get.

4- You’ll get perks with RV Direct that you won’t get anywhere else. Like included emergency vacation expenses and $2 million liability coverage for the price of $1 million liability coverage.

5- We offer underwriting in house. That means less wait time and more knowledge for you.

6- You’ll get exceptional customer service.

Our RV insurance brokers are here to answer your questions, get you the best coverage, and help you through claims. Get an RV insurance quote online or give us a call, toll-free, at 1-866-771-7831 .

What does RV Insurance Cover in Alberta?

In Alberta, RV insurance can cover:

  • Physical damage to your RV, contents, and outbuildings
  • Personal and premises liability
  • Third party liability (for driveable RVs)
  • Emergency vacation expenses
  • Emergency roadside assistance
  • … and more!

Remember that what’s covered will depend on your individual policy. Work with one of our experienced RV insurance brokers to ensure you’ve got the right coverage for your needs.

We’ll explain more about RV insurance protection below.

Alberta RV Insurance Covers Physical Damage

Our RV insurance covers physical damage to your RV, its contents, and outbuildings, which includes:

  • Wind
  • Hail
  • Fire
  • Explosion
  • Smoke
  • Lightning
  • Falling object (I.e. tree branch)
  • Impact by aircraft, watercraft, or vehicle
  • Collision
  • Upset or overturn
  • Water damage
  • Earthquake
  • Vandalism
  • Theft

Some physical damage coverage is optional and may require add-on coverage (known as an endorsement). Remember that insurance is for unexpected events – it won’t cover maintenance items.

When you buy your RV insurance, you’ll decide on the loss settlement. If your RV is a write-off in an insured claim, the loss settlement will determine how the amount you receive is calculated. There are three main options:

1- Actual Cash Value. This is the market price of your RV at the time it is damaged, or the purchase price minus depreciation. All-risk coverage is available until the unit is 25 years old.

2- Replacement Cost. You will get the value of a new RV that is of similar kind and quality. This coverage is only available for RVs that are newer than 15 years old.

3- Guaranteed Replacement Cost. You will get a brand new RV of similar kind and quality. This coverage is only available for RVs that are 10 year old or newer. You must insure your trailer to the MSRP of the unit new.

4- Replacement Cost Plus. Available for trailers 10 years of age or newer. If your trailer is a total loss, you can replace the trailer up to 110% of its value as indicated on the policy (your trailer must be insured to the MSRP of the unit new).

You’ll also need to decide on your policy limits – this is the maximum amount that will be paid out for a covered claim. There are also limits on each area of coverage such as your contents and outbuildings. Make sure you choose the right limit to ensure you’re covered if your contents or outbuildings are destroyed.

We recommend making an inventory of your contents and work with one of our RV insurance brokers to ensure you have the right protection.

RV Insurance Covers Personal & Premises Liability

In Alberta, RV insurance covers personal and premises liability. This covers you if someone gets hurt or has their stuff damaged because of your unintentional actions or while visiting your RV (or permanent site). This protection covers your legal expenses, including:

  • Defense costs
  • Judgement awards
  • Settlements

RV Direct Insurance includes a free upgrade to $2 million of personal and premises liability.

RV Insurance Covers Third Party Liability

If your RV is drivable, you’re required to have third party liability coverage like any other vehicle on the road in Alberta. Our RV insurance includes this coverage, if necessary.

If you’re at fault in an accident, third party liability insurance covers:

  • The cost of repairing or replacing the vehicles of others involved in the accident
  • Legal expenses if you’re sued, including defense costs, settlements, and judgement awards

RV Insurance Covers Emergency Vacation Expenses

RV insurance will cover your emergency vacation expenses if you have a covered claim while you’re camping or snowbirding. This means you’ll get help to either continue your vacation (renting an RV or staying in a hotel) or to get home after an insured claim.

RV Insurance Covers Emergency Roadside Assistance

Our RV insurance for trailers includes basic roadside assistance. This includes:

  • Towing
  • Flat tire fix
  • Fuel delivery
  • Lockout service
  • Battery boost

You can upgrade to the elite roadside assistance package, which adds:

  • Increased towing limits
  • Trip planning
  • Travel and emergency medical advise
  • Pet assistance

If you’ve ever had to change a tire on an RV, you’ll know how valuable this roadside assistance coverage is.

Optional RV Insurance Coverage in Alberta

There is also optional RV insurance coverage available in Alberta:

  • Renting out your RV through Outdoorsy
  • Elite roadside assistance
  • Increased coverage and limits

RV Insurance Covers Renting Your RV Through Outdoorsy

Did you know that you’re not normally covered when you rent out your RV? Your RV insurance policy is a personal policy, not a commercial one. When you rent out an RV, you’re making money and using it commercially. This means that your RV insurance policy will not cover any damage or loss caused by renters. It can even void your RV insurance entirely!

Luckily, Aviva has partnered with Outdoorsy to allow for renting out an RV with full protection. You’ll need to purchase an add-on (endorsement) which will ensure you’re covered when you rent your RV through the Outdoorsy RV-sharing and rental platform.

Please Note: Rentals or RV-sharing is only supported through Outdoorsy and only if you have notified Aviva and purchased the add-on coverage.

Elite Roadside Assistance

Although RV insurance for trailers comes with basic roadside assistance, you can upgrade to the elite program. This elite roadside assistance includes:

  • Increased towing limits.
  • Trip planning.
  • Travel and emergency medical advice.
  • Pet assistance.

If you RV often or go far from home, upgrading may be a good idea.

Please Note: Roadside assistance is currently only offered for travel trailers.

Increased RV Insurance Coverage and Limits

You always have the option to increase your RV insurance coverage and limits. This is a good idea if you have a high-value RV or snowbird with your RV. We advise working with one of our RV insurance brokers to determine your coverage needs to ensure you don’t end up over-insured or under-insured.

For example, let’s say you have a golf cart you use to get around a large campground in Arizona. You may want increased liability protection just in case someone who is visiting you decides to take the golf cart for a spin and gets hurt.

What isn’t covered by RV insurance in Alberta?

RV insurance doesn’t cover everything. It’s designed for unexpected events. Here are a few things RV insurance won’t usually cover damage or loss from:

  • Wear and tear
  • Deterioration
  • Material, workmanship, or design defect
  • Wet or dry rot
  • Rust or corrosion
  • Seepage or slow leakage
  • Fungi or spores
  • Animals in your care
  • Birds, vermin, rodents, and other creatures except to glass (I.e. a bird hits a window)
  • Certain sources of water damage
  • Nuclear, terrorism, or war-related incidents
  • Intentional or criminal acts by the insured (including producing or consuming drugs or other illegal substances)

Damage may also not be covered if you’re found to be driving under the influence or convicted of causing death or bodily harm by criminal negligence, failing to stop at the scene of an accident, operating a vehicle while being disallowed from doing so, racing, or illegal activity.

Remember to read your RV insurance policy or talk to your RV insurance broker to ensure you understand what’s covered and what is not covered. We’re here to answer your questions and help you navigate claims.

Do my auto and home policies cover my RV?

No, your auto and home policies do not likely adequately protect your RV.

For towable trailers, your auto policy will only cover your third-party liability if you’re involved in a collision while towing. This means that any damage to your RV won’t be covered.

There are also a few reasons to avoid adding your towable RV to your home insurance policy, including:

  1. You will have to make a claim on your home policy, which will likely increase your rates.
  2. Some home policies have a limit on the value of your RV (they will only insure it to a certain amount).
  3. There may be limits on coverage.
  4. You may not have emergency vacation expense coverage.
  5. You may not have roadside assistance.
  6. RV insurance is very affordable as a yearly or monthly payment.

How much does RV insurance cost in Alberta?

RV insurance starts at $200 per year for trailers and around $450 per year for motorhomes. The price goes up based on different factors. The value of the RV and your insurance options majorly affect the cost of RV insurance.

What affects the cost of RV insurance in Alberta?

The following factors affect the cost of RV insurance in Alberta:

  • The value of your RV
  • The type of RV
  • The make, model and year of your RV
  • If you’re permanently parked in the US
  • Your insurance history
  • Your insurance options including coverage, loss settlement, policy limit, and deductible

For motorhomes, your driving record will also affect your RV insurance costs.

What discounts are available for RV insurance in Alberta?

The following discounts are available for RV insurance in Alberta:

  • Satellite tracking system
  • Bundled (multiple policies with Aviva)
  • RV club membership (explorer or FMC)
  • Credit rating

The Best RV Insurance Companies

RV Direct Insurance is the leading RV insurance brokerage in Western Canada. We’ve teamed up with the best RV insurance company, Aviva Elite.

Aviva Elite offers specialized RV insurance and industry-leading claims experience. They have staff that are specially trained in RVs, making the claims process much easier.

We have an in-house RV insurance underwriter at RV Direct, which means quicker service and insurance expertise is available for you. Our RV insurance brokers are also here to help answer any questions or if you need to make a claim.

How to Get an RV Insurance Quote

You can get an RV insurance quote from RV Direct in the following ways:

  1. Get an RV insurance quote online.
  2. Call us at 1-866-771-7831.
  3. Email us at info@rvdirectinsurance.com
  4. Book an appointment at our office in Calgary, Alberta.

Our RV insurance brokers can answer any questions you have or get you a quote – it takes about 5-10 minutes.

Frequently Asked Questions About RV Insurance in Alberta

Here are some of the most frequently asked questions we get about RV insurance in Alberta.

Do I need RV insurance?

If you have a drivable RV, yes, you will need RV insurance. The Government of Alberta requires all vehicles to have accident benefit and third-party liability insurance.

Otherwise, RV insurance is optional. It is a great way to protect yourself financially and ensure you can continue to enjoy camping if something unexpected happens.

Can I get seasonal RV insurance?

Our RV insurance is designed for year-round protection with the understanding that most people are only using their RVs during the summer. There are two main reasons you should not cancel your RV insurance over the winter:

  1. Your RV can suffer damage or be stolen while it is stored. You wouldn’t be covered if you don’t have an RV insurance policy.
  2. RV insurance companies will give you a higher rate if they see you are cancelling seasonally or may refuse to insure you.

Can I bundle my RV insurance with my other insurance?

Yes, you can get a discount if you have your home or car insurance with Aviva.

Am I covered by RV insurance if I go across the border?

Yes, you will be covered by your RV insurance if you cross the border into the US. Our coverage protects you across the US and Canada. However, you need to let us know that you’re going to the US.

Does RV insurance cover me in the US?

Yes, our RV insurance will cover you while you travel in the US. You do need to let us know that you’re going to the US, so give us a call before you go!

Does RV insurance cover me in Mexico?

No, our RV insurance doesn’t cover trips to Mexico.

How do I choose the right coverage for my RV insurance?

Our brokers can help you choose the right protection for your RV. We’re campers and insurance experts, which means we understand your needs and how to protect you and your RV.

How do I choose the right limits for my RV insurance?

Working with one of our RV insurance brokers is the best way you can choose the right limits for your coverage. Creating an inventory list of your belongings is also helpful – and invaluable if you ever have a claim. You should also find important documents for your RV (such as the bill of the sale) and keep a digital copy.

Which RV loss settlement is best for my RV insurance?

The loss settlement you choose will depend on the age of your RV, your needs, and your budget. Keep in mind that some loss settlement options are only available to RVs of a certain age.

Generally, actual cash value policies are cheaper, but you will only receive the market value of your RV. If you do go with a replacement cost or guaranteed replacement cost loss settlement option, remember that you receive a new RV – if you opt for a cash settlement, you will still only get the actual cash value of your original RV.

Does RV insurance cover my personal belongings?

Yes, RV insurance will cover your personal belongings that are usual to the RV. This includes anything that is normally brought along camping such as lawn chairs, kitchen stuff, clothing, barbeques, et cetera.

Some items may not be covered or may not be covered to their full value such as jewelry, electronics, and sport equipment. These are usually covered under your home insurance policy.

Toys like jet skis and ATVs need separate coverage.

Remember, there is a limit on how much coverage you have for your personal belongings. Make sure it is enough to replace what you normally keep in your trailer so that you’re not left paying out of pocket for it.

Does RV insurance cover storm damage?

Yes, RV insurance covers storm damage including wind and hail. Water damage is covered if a storm has opened a hole in your RV, too.

Is my awning covered through RV insurance?

Awnings are usually covered by RV insurance. However, you may have an awning exclusion on your RV insurance if you have a basic policy or have opted to exclude this protection to save money on your premiums.

Awning damage caused by wind may have a special minimum deductible (the amount you pay before your insurance kicks in).

Is my RV’s roof covered by insurance?

Your RV’s roof will be covered by insurance as long as it is damaged by an insured peril such as hail or a falling tree. But RV insurance will not cover any damage caused by lack of maintenance or general wear and tear.

Is mold covered by RV insurance?

Mold is not covered by RV insurance as proper maintenance should always prevent mold and fungi from appearing.

Does RV insurance cover wildfire damage?

Yes, fire is covered by RV insurance, including wildfire.

Is my RV covered if it is stolen?

Yes, your RV is covered if it is stolen. Be sure to file a police report and contact your insurance company. There is generally a waiting period before you will receive any settlement for your RV to give police the time to recover the RV.

If I lend my RV to a friend, am I covered?

Yes, your RV would be covered if you lend it to a friend. However, we advise all clients to be cautious with lending out your RV. If the person you lend it to does something illegal or intentionally causes damage, you may not be covered.

If you are getting money from your friend to use the RV, you will also likely not be covered as that is considered a commercial use of the RV.

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