There's nothing quite like life out on the open road. Whether you've planned a careful route hitting all of Ontario's most scenic spots, or are embarking on an ambitious trip across the country—no plan except wherever the wind takes you, or at least, the road—it's important to protect your travel trailer with the right travel trailer insurance.
Ontario travel trailers are your mobile home away from home. As such, it is important to ensure you and your travel trailer are properly protected from the risks you face while enjoying life on the road. You require a unique set of coverages to ensure you, and your trailer are protected! Travel trailer insurance from Morison Insurance aims to do just that! Our insurance brokers will provide you with the best coverage options for your unique needs for travel trailer insurance. Ontario brokers on our team will keep you and your trailer on the road so you can focus on your travels!
Our Morison Insurance brokers are happy to help you with all of your travel trailer insurance needs to get you out on the road. We are proud to be among Ontario's top insurance brokers and work tirelessly to find the best insurance coverage at competitive rates for our loyal customers. As a family-owned and operated business, we go the extra mile to make our customers also feel like family. We'll take care of finding the right insurance for travel trailer coverage and will diligently shop around to find you the best coverage possible.
Ontario travel trailer insurance is a type of personal insurance policy that protects the non-motorized recreational vehicle that you are towing behind or on your vehicle or is parked at a campsite. When it comes to protecting your travel trailer, this type of policy provides coverage for the trailer in the event of loss or damage. Policies for travel trailer insurance in Ontario are tailored to your use of the vehicle and help to fill in gaps in coverage left by your home or auto insurance policies. Contact your Morison Insurance broker to learn more about how you can protect your recreational trailer with insurance for travel trailers.
Although a non-motorized trailer is not required to have insurance in Ontario, unlike with its motorized counterpart, the low cost of a travel trailer insurance policy is worth the peace of mind it provides.
What many travel trailer owners don't realize is that damage to your travel trailer would not be covered by your car insurance policy. This means that in the event of damage due to a collision or other reason, you could be left covering the costs of repairs or replacement of your trailer. This could be financially taxing—not to mention put a halt in your summer plans to camp throughout our beautiful province. So it’s a good idea to protect yourself with proper insurance for travel trailers.
Additionally, a travel trailer can represent a significant investment for you and your family. Although the average price of a travel trailer is about $24,000, depending on its features, it can easily cost more than $80,000. The last thing you want is to buy a beautiful new trailer and take it out for the first time, only for an unexpected event or accident to destroy it. Without travel trailer insurance, Ontario residents would be left on the hook for the tens of thousands of dollars needed to replace and/or pay it off. But with the right coverage, your travel trailer insurance in Ontario would cover those expenses, allowing you to get back to the great outdoors.
Travel confidently with the right policy for you. Speak to our experienced brokers to learn more about how we can help protect yourself with travel trailer insurance in Ontario.
If you do not have proper travel trailer insurance and you experience a loss such as damage, theft, or water damage, you will be required to pay for these losses out-of-pocket. If you had the proper travel trailer insurance coverage, this would be covered.
Picture this, you are planning a road trip to Algonquin Park. With visions of singing Kumbaya and roasting marshmallows floating through your mind, you are struck with the realization that you may need travel trailer insurance for your adventure. Except, insurance can seem complicated at the best of times. With all the insurance options available, getting travel trailer insurance in Ontario may seem too daunting to bear. With the right information and guidance from a Morison Insurance broker, we will have your travel trailer insurance sorted and road-ready in no time.
Travel trailer insurance provides protection from a wide range of perils that you may experience while out adventuring on the open road or while you are staying in your trailer. Common coverages for travel trailer insurance include comprehensive coverage, collision coverage, accident benefits coverage, water damage protection, contents coverage, standard roadside assistance, uninsured coverage, liability coverage, and more. If you require additional protection, extra coverage can be added to your trailer policy. An insurance broker will be able to assist you in determining what coverage you need to ensure your trailer is properly protected based on your unique needs and concerns.
As any driver knows there are other ways a vehicle can be damaged aside from a collision. This is where comprehensive coverage comes in for your travel trailer insurance. Ontario insurance can cover damages related to a range of reasons, such as weather conditions including hail or fast winds, damage from falling trees and branches, or if you hit a pole or an animal (as opposed to a vehicle). An added benefit of comprehensive coverage is that it can also protect your travel trailer from theft, vandalism and fire. Since you'll be living out of the trailer during your vacation, you must protect it from these risks.
This type of insurance for travel trailers covers damages that happen through an accident. This could be a collision where your vehicle collides with another vehicle or vice versa. It does not matter if one or both of the vehicles were moving. For instance, if you slid into a parked vehicle, this would still be considered a collision. What's important to know is that collision coverage protects your travel trailer no matter who is at fault.
Since you're in a travel trailer, it's likely you plan on being on the road at some point. The risks of being on the road are greater than being stationary, and one of these risks is that you, a passenger or a pedestrian could be hurt in an accident. If this is the case, you will be grateful you have accident benefits coverage included in your travel trailer insurance. Ontario accident benefits coverage provides compensation in the event someone is injured in an accident, regardless of who is at fault. It covers a range of medical bills, such as rehabilitation treatment and other recovery services. Depending on the policy, accident benefits coverage can also provide income replacement if you're unable to work due to an injury. Accident benefits coverage is sometimes referred to as medical payments or medical costs coverage.
Flooding, whether internal or external, can wreak havoc on your travel trailer. An example of this could be a faulty sewage line that bursts and leaks throughout the trailer or being stuck in a flood while on the road. Water damage is devastating, so you should be prepared with the right insurance policy. Protect your travel trailer from water damage and gain better peace of mind with travel trailer insurance.
The term contents refers to personal property or personal belongings. This includes a wide variety of personal belongings including jewellery, laptops, cameras, satellite dishes and appliances. Property damage or theft can be devastating while you're on the road. And while some possessions are replaceable, the replacement cost can be financially overwhelming. For instance, if you work remotely while on the road and are forced to buy a new laptop or camera equipment due to theft, you could be strained financially. Prevent this headache with the right insurance for travel trailers.
Being stranded on the side of the road because of a problem with your travel trailer—say you got a flat tire while driving—is a real pain in the neck. Not to mention the cost of roadside service. The same follows if you accidentally lock yourself out of the camper and require a locksmith service. However, with standard emergency roadside assistance insurance for travel trailers, you can protect yourself from the cost of having to pay for standard repairs.
Should an accident occur and you are not at fault, that doesn't mean that the other driver is legally insured or that they have adequate insurance to cover the physical damage to your travel trailer. This can leave you in a very stressful situation. Prevent this risk with underinsured or uninsured coverage. This travel trailer insurance coverage will protect you if the at-fault driver isn't sufficiently insured.
While there are certainly more perils out on the open road, that's not the only place where accidents can occur. Likely, if you're spending the warmer months camping throughout the province, you'll be staying at campsites. This opens you up to a few risks as well. For instance, if a fellow camper is injured in your travel trailer or near it while you're parked for the day, you could find yourself facing a personal liability suit. This is similar to if a person tripped and fell while on their way to your home. Liability insurance for travel trailers prevents you from paying out of pocket for medical and legal expenses. Legal fees in particular can wrack up quickly and can really put a damper on your vacation.
Emergencies happen, and when they do, you need to be sure you're adequately protected. For instance, if your trailer is not parked correctly, becomes unhitched and rolls down a hill, or the entrance becomes damaged and won't open correctly, then you could find yourself stranded from your mobile home. You may not have access to shelter, food or water. Not to mention, if anyone was in the trailer as it rolled, they may have gotten injured. Emergency expense coverage will offset the costs of staying at a hotel while the trailer is repaired. It never hurts to have extra protection with your travel trailer insurance in Ontario!
Standard travel trailer insurance provides a wide range of coverage but depending on your specific needs as well as the type of travel trailer you have, you may require further protection. Additional coverages are available to add to your travel trailer insurance quote. Some common added coverages for travel trailers include loss of use coverage and legal liability for non-owned travel trailers.
If you are unsure if you require additional coverage, a Morison Insurance broker would be happy to review your travel trailer insurance quote and provide expertise.
Loss of use coverage is very useful in the event that an accident or problem has occurred and you're unable to use your travel trailer—permitting the incident is listed among the policy's insured perils. It provides a replacement vehicle and/or covers additional transportation costs as a result of your travel trailer needing to be repaired or replaced following a covered loss.
Do you have a stationary travel trailer that you rent out? In this case, you need to have legal liability for non-owned units in your travel trailer insurance. This will protect you from a range of liabilities, such as if a renter is injured while using your vehicle.
Ontario travel trailer insurance policies can be quite comprehensive, but they do have some limitations that you should be aware of including lack of maintenance, intentional damage, and criminal acts. It's also important to note that these exclusions cannot be added to an existing insurance policy. Make sure to speak with a Morison Insurance broker to ensure you understand what is or isn't covered under your policy for travel trailer insurance in Ontario.
General wear and tear or damage due to poor maintenance that could have been prevented through proper maintenance will not be covered by your Ontario travel trailer insurance policy for a couple of reasons. Firstly, general wear and tear is a normal part of life. It affects all structures, from your home or business to your motorized vehicles. The same is true of travel trailers. As time goes on, it's anticipated that a certain level of wear will occur.
Additionally, as the travel trailer owner, it's up to you to make sure it's properly maintained to prevent damage. This includes taking care of the interior and exterior of the trailer. Be sure to follow proper travel trailer maintenance tips to keep your trailer in tip-top shape.
Naturally, if you purposefully damage the trailer, you will not be covered by your insurance for travel trailers. No insurance products are available that cover intentional damage—for obvious reasons. Rather, insurance representatives are in the business of protecting you against unforeseen accidents.
In keeping with why intentional damage is not covered by your insurer, neither are criminal acts of any kind. Rather, criminal acts disclosed to your insurance broker or insurance agent will need to be disclosed to the appropriate authorities. If your illegal activities cause damage to the unit and you try to claim it through your travel trailer insurance, Ontario insurance providers will deny your claim.
On average, your travel trailer insurance can cost anywhere from $250 to $2,000 annually. The reason for the huge price discrepancy is that there is a wide range of factors that go into calculating the cost of travel trailer insurance. Ontario insurance companies consider factors such as:
To receive an accurate quote for travel trailer insurance, Ontario residents can contact our Morison Insurance brokers by giving us a call or completing the contact form on this page!
|
Cost of the List Price of Your New Trailer |
Estimated Monthly Premium ($) |
Estimated Annual Premium ($) |
|
$10,000 |
$25 |
$300 |
|
$15,000 |
$32 |
$375 |
|
$20,000 |
$35 |
$425 |
|
$30,000 |
$46 |
$557 |
|
$40,000 |
$60 |
$722 |
|
$50,000 |
$81 |
$972 |
|
$75,000 |
$122 |
$1,464 |
|
$100,000 |
$161 |
$1,933 |
|
$125,000 |
$201 |
$2,411 |
|
$150,000 |
$241 |
$2,889 |
|
$200,000 |
$321 |
$3,846 |
|
$250,000 |
$400 |
$4,801 |
|
$300,000 |
$480 |
$5,759 |
|
$400,000 |
$639 |
$7,672 |
|
$500,000 |
$799 |
$9,584 |
|
$750,000 |
$1,197 |
$14,366 |
|
$1,000,000 |
$1,596 |
$19,148 |
Ontario insurance companies provide discounts for travel trailer insurance, such as a claims-free discount and the ability to combine your insurance for travel trailers with your home insurance and auto insurance policies. But it does not stop there; just ask about the many discounts you can benefit from at Morison Insurance for your travel trailer insurance.
Ontario brokers will help you find the best insurance for your needs at competitive prices. If you are looking for travel trailer insurance in Ontario, you likely have other vacation-related items you are interested in purchasing as well—and a discount might just help you on your way to having the best camping trip ever. In fact, the only thing you should be worried about is not burning your marshmallow. Leave your travel trailer insurance in Ontario to us.
Perhaps driving your travel trailer on the open road is not its primary purpose, but rather it’s your home away from home. Whether you’ve parked your trailer on a parcel of land or it resides in a trailer park, there are a few things you should know about stationary trailers. For instance, if the trailer is going to be stationary for some time, it’s important to let your travel trailer insurance broker know how often you reside there. Do you use the trailer seasonally, or is it more like a second home? Likewise, consider what additional elements you’ve added onto the trailer—like a deck or patio. You’ll want to insure these additional features in the event they’re damaged during an incident like a storm or fire with the right insurance for travel trailers.
Many travel trailer insurance policies will provide protection while a travel trailer is in storage. However, some restrictions may apply. To determine any limitations, be sure to review your insurance policy before placing your travel trailer in storage. The brokers at Morison insurance would be happy to review your policy.
Typically, your car insurance policy will not provide coverage to your travel trailer. Your needs are different from what a typical auto insurance plan can offer. Travel trailer insurance is usually a separate policy that provides comprehensive coverage specific to the trailer.
You can get a travel trailer insurance quote by speaking with the expert brokers at Morison Insurance. We are a proudly Canadian brokerage who works with dozens of leading insurance companies. We will help ensure you have the best coverage for your travel trailer at the right price. Get started today by calling 1-800-463-8074 or by filing out the form on our page.
