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What is RV insurance?
Matt Hands, VP, Insurance
In Ontario, RV insurance for motorhomes works the same as a conventional car insurance policy. You’ll be required to purchase the minimum mandatory coverages for third-party liability and accident benefits, with the option to enhance your protection with add-ons. The difference, however, is that many insurance companies also offer coverages, unique to your motorhome. Contents coverage, for instance, protects the personal belongings within your RV, just like it would on your home insurance policy.
Keep in mind that RV insurance is often used as an umbrella term for all different types of vehicles – motorhomes, campers, and trailers. The information on this page is specific to motorhome insurance in Ontario, but if you're looking to learn more about coverage options for non-motorized, towed, and stationary vehicles, be sure to visit our page on trailer insurance.
Did you know?
Motorized RVs require their own auto insurance policy, but purchasing coverage for your recreational trailer is optional.
What does RV insurance cover in Ontario?
Because a motorhome travels as its own vehicle, it requires its own auto insurance policy. In Ontario, the minimum mandatory coverages for a motorized RV are the same as the requirements on a conventional car policy – you’ll need the following four types of auto insurance.
Third-party liability
Accident benefits
Uninsured motorist
Direct compensation for property damage (DCPD)
Optional types of recreational vehicle insurance
Aside from the mandatory RV insurance coverage in Ontario, you can also select optional add-ons to further enhance your motorhome’s protection – here are some coverages you should consider for additional peace of mind.
- Collision insurance – Also known as upset insurance, this recommended coverage pays for the repair or replacement of your RV in the event it’s damaged in a collision with another vehicle or an object.
- Comprehensive insurance – Comprehensive insurance pays for the repair or replacement of your vehicle after it’s been lost or damaged due to a non-collision-related risk. This can include coverage for theft, vandalism, falling objects, and severe weather.
- Specified perils insurance – Specified perils is a cheaper alternative to comprehensive insurance in which your RV will only be insured against the specific risks listed in your policy.
- All perils insurance – This is an all-in package, including both collision insurance and comprehensive insurance. You might also receive a little extra protection as all risks will be covered unless otherwise stipulated in your RV policy.
- Contents insurance – Similar to that of a home insurance policy, contents insurance for your motorhome protects you financially against the loss or damage of your personal items within the vehicle.
How much does RV insurance cost in Ontario?
Class A motorhomes typically cost between $1,000 and $5,000 each year to insure. Keep in mind that the cost of RV insurance can vary greatly as providers look at many individualized factors to determine your rate – so be sure to get a personalized quote today to find the exact cost you'll be paying.
get a quoteThe different types of RVs in Canada
There are many types of RVs in Canada and it is important to understand the differences between each one as not all vehicles require the same coverage.
Do all recreational vehicles need insurance?
Motorized RVs that can travel on their own – such as Class A, Class B, and Class C motorhomes – require their own insurance policy, equipped with the mandatory Ontario auto insurance coverages. Recreational trailers that aren’t motorized but instead towed behind another vehicle don’t require auto insurance, but it’s always a good idea to purchase coverage anyways. While the liability coverage on the towing vehicle’s insurance policy is extended to an attached trailer, you’ll be left with a lot of gaps in coverage. For instance, if you get into a car accident while towing your fifth wheel, you’ll be paying for the repair out-of-pocket – unless you have the right trailer insurance in place.
Looking for trailer insurance instead?
For non-motorized RVs, visit our page on travel trailer insurance to learn more about your specific coverage needs.
Factors that impact your motorhome insurance quote
Type of recreational vehicle
The make, model, age, and condition of your vehicle will impact how much you’re paying for coverage – generally speaking, the more expensive your RV is, the more it costs to insure. So may differ greatly between Class A, B, and C motorhomes.
Driving experience
Navigating a large motorhome for long road trip hours isn’t as easy as driving your car to the grocery store. Therefore, auto insurance companies value your experience in operating your RV, and the more you bring, the lower your rates will be.
Location
Motorhome insurance policies may have limits on your location. For instance, you may be protected in Canada and the United States, but if you want to cross the border into Mexico, your coverage could be voided. Be sure to double-check your policy as expanding your travel territory could increase your RV insurance premium.
Driving record
Having a clean driving history shows your RV insurance company you’re less likely to make a claim in the future. So by being a safe driver, you’ll be rewarded with cheaper insurance premiums on your motorhome.
Contents value
The more valuables you have stored in your motorhome, including its furnishings, the more coverage you'll need. And with that, you can also expect to pay higher RV insurance rates.
Insurance history
If you’ve made several auto claims in the past, it won’t be looked upon favourably when it comes to calculating your RV rate. Insurance companies low to lower their risk when it comes to making a payout, so more claims can mean higher premiums.
Vehicle usage
The more you use your motorhome, the more you’ll be paying to keep it insured. So if you use your RV as your primary residence, don’t expect to pay the same rate as someone who purchased their vehicle for annual summer road trips.
Coverage type
The more add-ons to your RV insurance policy, the higher your premium will be. You’ll also be paying more if you choose guaranteed replacement coverage over actual cash value – meaning, your insurer will payout enough funds to cover an RV replacement in the event of a total loss, instead of the depreciated value of your vehicle.
Applicable discounts
To lower your insurance rate, be sure to ask about applicable discounts. Most RV insurance companies offer cheaper premiums to loyal customers who bundle their motorhome policy with other products, such as auto and home insurance.