Motorhome Insurance Ontario

Do you have a home on wheels? Do you wish to have fun exploring new places while still having access to your favourite amenities?

Almost over 2.1 million Canadian households own a Recreational Vehicle, so if you’re one of those people who loves to take your home away along road trips in an RV, you’re not alone.

When motorhome owners get to take their possessions with them on the road, they need to be sure they’re covered in case of an accident.  Comprehensive or collision coverage is a mandate for travel trailers and camper vans before you set out for a journey away from home in it.

Choose a recreational vehicle insurance policy that best suits you from PAIB Insurance Inc. to protect your Ontario RV.

Get a quote now from us!

What is Motorhome Insurance?

Motorhome insurance is great to have when you’re ready to be spending time cruising across the country. With the right insurance products, you can feel confident knowing that your Recreational Vehicle (RV) is protected if anything unexpected happens. Whether you live in your motorhome year-round, or you use it for recreational purposes, it’s important to be protected at all times. Insurance coverage is legally required for your travel trailers to avail of a covered claim to meet any emergency vacation expense. This RV and motorhome insurance is a protective policy that covers damage to your RV, any injuries suffered while driving, and any potential damage or injuries you cause to others plus their belongings. This type of insurance policy works in the same way as motor vehicle insurance, but it often covers a more considerable amount of money since these vehicles are larger and more costly. 

Motorhome insurance has been available in Ontario, Canada for several decades and is required for any Canadian citizen that wants to operate a motorhome on the roadways. Recreational Vehicles are large, costly, and potentially dangerous to operate as well. This is why it’s so important to have comprehensive insurance on your property. This insurance is vital to have, but it’s just as important to take the time to track down the perfect policy for you. Don’t settle for the first insurance policy you see, work with professionals to help you find one that will meet all of your needs and give you the level of protection you truly deserve. The moment you obtain a motorhome, you should begin shopping for the right RV insurance for the needs of you and your family. 

Is RV insurance the same as car insurance?

Yes, as legally required in your province, RV coverage is a necessity, just like cars. Depending on the place you live, the required coverage will be different, but liability coverage will always be part of it. Increasing your policy’s extended coverage is the best option if you want to safeguard your vehicle from any accident caused or physical damage.

You can get several options to choose from for an insurance policy. Collision coverage or Upset insurance pays for damage to your RV or motorhome that was caused by a crash with another vehicle or object. Comprehensive coverage pays for damage caused by all of the risks listed in your policy, except for collision.  Whereas  All Perils coverage pays for damage caused by a crash and all other risks listed in your policy.

To a certain extent, you can safeguard your financial investment against accident-caused and other insured losses by selecting one or several of the available insurance products.

In contrast, an RV trailer is slightly different from car insurance. Since these trailers don’t have motors and are usually hooked up to and pulled by your car, you don’t have to get insurance for them. But think about how much you have invested and how likely it is that you will lose or damage your tent trailer. You’ll undoubtedly concur that adding coverage to offer financial security if something unfortunate happens is a good idea. You’ll be able to add extra coverage options, just like with a motorhome.  You can also choose to add liability coverage. It will be helpful if the trailer separates from the towing vehicle and causes injury or property damage to a third party.

Why is motorhome insurance important?

Motorhome insurance is mandatory throughout Canada for anyone that wants to operate the Motorcraft on a public roadway. This is because driving one of these vehicles always poses a risk to others, and one mistake while operating an RV could cause tens of thousands of damage. Besides, an uninsured driver who drives a truck camper or tent trailer can even worsen the situation. So, If you plan on getting an RV in Ontario, you will need to obtain insurance for it as well. There are different motorhome policies, but they are essential for protecting you against injuries you may cause to yourself and your family as well as anyone around you while you operate the vehicle. An insurance policy with third party liability coverage is also a good choice, in that case, to save money if a grave loss or damage has happened.

Motorhome insurance pays for all of the following things: 

• Injuries to the driver and passengers within the vehicle
• Injuries for anyone harmed by the vehicle that is outside of it
• Repair costs for the RV
• Property damage the RV causes
• Rental reimbursements
• Collision and comprehensive coverage
• Uninsured motorist coverage

If you choose to operate your RV without motorhome insurance, you could harm yourself or others and get stuck with significant medical bills and legal costs as a result. Whether you’re just worried about repairing your RV or concerned with medical expenses, it’s vital to have a comprehensive insurance policy that will cover you against all of these potential issues. Get one of these policies from an experienced agent, and you’ll have the additional protection you need for your safety and the safety of others. It can be difficult to choose the right policy for your needs, which is why it’s so important to work with an experienced agent that can help you through the process. 

Who is motorhome insurance made for?

Motorhome insurance is meant for anyone that owns a motorhome that they use. If you own a motorhome and drive it down the road at any point during the year, you must have this type of insurance. You must have one of these policies for your motorhome. You may not need to have a policy if you own a motorhome that you don’t drive or move from one location to another. However, your vehicle would still be at risk for damage from fires, weather, and other issues without coverage even while sitting still. 

Recreational Vehicles are often very expensive and large. If you own a motorhome for personal reasons or business purposes, having insurance for it will help you avoid lawsuits, property damage repairs, and other potential costs you could face when or if you drive without insurance. 

It’s important to note that most motorhome policies only cover the people within the vehicle as well as the vehicle itself. If you want coverage for the items you have inside the motorhome, you may have to invest in a separate policy instead. Get to know the terms of the different policies and only consider policies that offer the level of coverage you are interested in. You could also talk with an agent or broker about what coverage options are available to you, so you are getting the insurance you want in the end. Talk with PAIB Insurance expert advice today to learn more about the different motorhome policies offered.

Why should you choose PAIB Insurance for your motorhome insurance needs?

Motorhomes are costly, and they can cause serious damage if they malfunction or if mistakes are made while driving. Hence, motorhome insurance can be expensive to purchase. If you’re searching for a policy to protect your vehicle, yourself, and your family, you should look at multiple policies before deciding on one to use. This is why it’s beneficial to work with a brokerage such as ours, at PAIB Insurance. 

We specialize in connecting customers with the most appropriate insurance policies for their needs. We have established relationships with some of the largest Canadian insurance providers offering motorhome insurance today. This means working with us gives you access to reasonable rates, top-level protection, and extras you can’t get from many other providers. 

We have local knowledge and work with top companies throughout Canada. Whether you only need motorhome insurance or you’re searching for an insurance company to cover all of your vehicle insurance needs, we can help connect you with a provider that will give you the protection you need. Talk with our team today and find out which policies for motorhome insurance are best for you. Many of our clients who utilize motorhome insurance also rely on utility trailer insurance and boat insurance, and we have contacts with experts for those as well. Don’t drive your motorhome without adequate insurance!