Whether you are traveling to the scenic river of Stratford, to the beautiful oasis of Pelee Island or to the historic region of Chatham-Kent, it is important to be adequately prepared with the right recreational trailer insurance. Determining which travel trailer insurance or motorhome insurance is right for you depends on the type of recreational trailer that you own.
The largest type of RV on the road today is the Class A, which is practical a house on wheels. The Class C motorhome is the midsize model that is often referred to as a mini-motorhome. Then, you have the Class B motorhome, which is a smaller RV that is not much more than a van with comforts.
In addition to the basic types of RVs, there are also the buses that have been converted to RVs, travel trailers that are towed by attaching to a trailer hitch, fifth wheels and truck campers that attach to your truck bed. In order to determine the best RV insurance Ontario campers like you need, talk with your insurance broker to find out all of the details. An insurance professional can help you explore all of your options for insurance on motorhomes and work with you to make certain you have a policy meets all of your needs.
What is covered by Recreational Trailer Insurance?
Motorhome insurance provides you with coverage that will pay the cost to replace or repair your RV or travel trailer if you are involved in an accident. You need liability coverage to protect you against property damage, legal fees and medical costs if the accident is your fault. It is also a good idea to carry underinsured or uninsured motorist coverage, which will cover costs related to an accident that is caused by a driver that does not have sufficient insurance to pay for damages or no insurance at all.
When you are looking for insurance on motorhomes, the types of coverage and the amount of coverage you need will be determined by the way that you use your recreational trailer. If your motorhome is your fulltime residence, then you will need more coverage than you would if you only use the vehicle on occasion to take summertime road trips.
For instance, if you use your RV fulltime, the coverage that you need will be similar to a home insurance policy with liability insurance that covers you if someone is injured while on your property, which just happens to be a home on wheels in this case. In addition, you will need to consider personal property insurance to protect the belongings that you keep in your motorhome. Just as a home insurance policy would cover your valuables, jewelry, collections and other personal belongings, you will need recreational trailer insurance that offers the same protection.
If you only use your motorhome in certain seasons of the year, you will need to think about protecting your vehicle when you are not using it. The way that your motorhome is stored when not in use will make a huge difference in determining your coverage needs. The weather hazards, climate and threat level for vandalism and theft in your area should also be taken into consideration when purchasing coverage as well.
The Cost of RV Insurance
While the coverage types you choose and the laws in your area are major factors in the cost of RV insurance, there are also a few additional factors as well, such as:
• Travel destinations – As previously mentioned, if you use your motorhome fulltime, you will need a coverage plan that is more in depth than a recreational traveler. The regions in which you travel and the distances that you travel will also be considered. The reason for this is that some areas with greater risk will require more protection.
• RV type – The type of recreational trailer that you own makes a difference in the coverage you need. A simple travel trailer or truck camper with only a few amenities is typically less expensive to replace or repair following an accident than a Class A motorhome, which affects the cost of RV insurance.
• Driving record – Your driving history is important because it lets the insurance provider know whether you are a cautious driver or take lots of risks on the road. If you have a history of accidents and traffic tickets, you will be seen as a higher risk. This means that you will most likely be paying a higher premium.
Investing in the right insurance for campers can save you a considerable amount of money. While you may have a general idea of the type of recreational trailer insurance that you need, you may still have a lot of questions. Fortunately, your insurance broker is there to help you find the policy that best meets your needs and offer you a risk free quote.