Atlantic Canada is home to some of the most breathtaking natural wonders in the country, and it’s no wonder that locals and tourists alike are choosing a life of adventure along the east coast. But for the even more adventurous, it’s all about waking up next to these sights every day and discovering new ones on the road. All you need is an RV or travel trailer.

RVs and travel trailers are vacation staples — they take you places and are stocked with compact furniture and appliances that keep you cozy and feeling right at home when you’re on the road. These homes on wheels are exactly that: one part house and one part vehicle, which require a unique set of financial and liability coverage to protect both the structure and the wheels that keep it moving.

RV and Travel Trailer Insurance

Recreational vehicles are a hybrid of motor vehicles and cozy vacation homes. These vacation and road trip staples take you on sight-seeing adventures and, when well-furnished, provide comfortable accommodations complete with all your lifestyle essentials. Because of their dual function, they require specialized coverage plan to protect you from the risks of accidents, property damage, liability on the road, tailored to its type, size, and contents inside.

  • RV Insurance: this hybrid auto and property coverage — or motor home — depends on the class of your RV, which is based on its size, use, and frequency of travel. RV insurance includes collision coverage and accident liability, as well as repair and/or replacement coverage of its contents.
  • Travel trailer insurance: unlike an RV, a trailer isn’t driven on its own, but hitched to another vehicle that tows it. But, coverage due to collisions is covered for repair and/or replacement of damaged parts, contents, and liability protection while in motion or parked. For permanently year round parked trailers, a specialized package can provide coverage similar to a seasonal cottage policy.

RV and Travel Trailer Key Coverages

  • Property coverage: covers the repair and/or replacement costs for physical damage of the RV or trailer and additional structures and accessories. These include things such as decks, satellite dishes, awnings, generators, and small outbuildings caused by fire, wind, hail, accidents, and other common perils while on the road or parked.
  • Liability: this covers the cost of legal fees and settlements in case of liability claims arising from injuries or property damage suffered by a third party.
  • Personal property: repair and/or replacement coverage for the contents of your RV or trailer, including furniture, appliances, and other personal effects the unit usually contains, whether it is parked as a seasonal location year-round or just on vacations.

Additional Coverage Options

Protect your trailer or RV with additional insurance to ensure safety and full replacement costs of damaged property:

  • Guaranteed replacement: this entitles you to full, depreciation-free replacement coverage to acquire a new RV or trailer, rather than simple reimbursement at decreased current value, which would make it hard to afford a replacement.
  • Elite roadside assistance: get emergency assistance and towing service in case of a breakdown to ensure your safety.

Ask Our Brokers

At Archway Insurance, we love life in Atlantic Canada and know exactly why you would choose to spend weeks, months, or even the rest of your life travelling along the coast. For this, we equip you with comprehensive RV or trailer insurance. Our brokers work with major Canadian providers to examine various policies and tailor coverage options according to the size of your trailer, where you’re travelling to, and how often you’re on the road. Trust us to equip you with the right financial protection and long-term peace of mind as you go on exciting adventures.

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