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RV Insurance Quotes in Ontario

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We know that Ontario has some of the best RV & Motorhome travel destinations in the world. If your idea of a perfect vacation is a roadtrip in your RV, Warner Insurance brokers can provide you with peace of mind motorhome insurance coverage to give you the freedom to travel!

Choose an Insurance Broker who understands your requirements whether you own a motorhome, fifth wheel, travel trailer, tent trailer, truck camper or park model. Our Insurance Brokers will take the time to understand your needs and get you coverage that’s perfect for you.

What Is Motorhome Insurance or RV Insurance?

RV insurance has to be tailored to fit the unique needs of the usage of the vehicle. Falling in the middle between home and auto it can sometimes be confusing to know how to insure your motorhome. Your motorhome is essentially that, a home on wheels!

There are several varieties of recreational vehicles that motorhomes can fall into and so you may be looking at campervan insurance or insurance for bus conversions. Choosing a Warner Insurance broker will ensure that you have the information required to make an informed choice on the purchase of your RV Insurance.

There are various liabilities that are unique to an RV. Like your regular auto insurance policy, you’ll need insurance to protect you in the unfortunate event of an accident. However, there are some other circumstances that may change the type of RV Insurance you need. For example, are you driving the motorhome itself or are you towing it? Is it your year round home or do you just use it for vacations?

Similar to traditional home insurance, you may also want to have coverage for the contents inside the RV like you would on traditional home insurance. Some insurance policies will cover this as standard but for others you can expect to pay an extra premium.

There are lots of unique specialized coverages that you may want to look into for your RV insurance these include:

  • Total loss replacement which is recommended if you’re living in your motorhome year round.
  • Replacement cost of personal belongings
  • Full-timer liability
  • Campsite liability
  • Emergency expenses
  • Higher liability limits
  • Medium duty tow trucks

Why Do I Need RV Insurance?

RV Insurance is like any other insurance, you are mitigating your risk to protect you in the case of an accident. For a RV or motorhome you are required to carry an auto liability policy because you can operate it as a vehicle independently.

However, there are some unique risks associated with an RV. Your RV is a large investment ranging from $30,000 to over $200,000 for a new motorhome. So, you want to ensure that you can recover the costs in the event of a loss. In addition, as they are larger vehicles they can cause significant damage and major injuries to others, other vehicles or properties. When getting an RV insurance quote, make sure it has enough coverage to protect you from potential unforeseen circumstances.

Can You Also Insure My Travel Trailer?

Your travel trailer is not a motor vehicle and therefore it does not require its own auto insurance policy. As long as your travel trailer is being towed by an insured vehicle, your travel trailer is considered road legal. Some insurers offer specialty travel trailer insurance policy to ensure you will receive coverage on the trailer no matter what its usage. Your property insurance typically covers the contents of your travel trailer but you should talk to your Warner Insurance broker to make sure that it covers everything you need it to or whether you should also have travel trailer insurance.

How Much Does Motorhome Insurance Cost?

Everyone’s insurance premium reflects their unique situation. When calculating the cost of your insurance premium there are several key factors that will be considered.

The factors that determine your RV Insurance cost include:

  • Class of RV: Class B RVs are the cheapest RVs to insure. Class A is the most expensive coverage followed by Class C.
  • RV Usage: Living in the RV full time will be more expensive than using your RV on occasion.
  • Your driving history
  • Any additional coverage you want to add will come at a higher premium.

When it comes to the cost of your motorhome, be sure to focus on getting the coverage you need and not just the cheapest RV insurance available. Our Insurance Brokers will shop the rates for you and be able to provide you with quotes at the best price for the coverage you need.

How Do I Get RV Insurance with Warner Insurance?

We recommend contacting a Warner Insurance Broker when looking to get a RV Insurance quote. This specialized coverage requires care and attention to understand your individual requirements. You can contact us today for a motorhome insurance quote by completing a quote form or calling us directly.


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