Alberta Travel Trailer Insurance

Safeguard your investment: Affordable Alberta travel trailer insurance explained

Alberta is an excellent province for families to live and thrive, offering a wide range of amenities and recreational opportunities. If your family enjoys weekend getaways, you may be considering purchasing a travel trailer. However, since travel trailers can be a significant investment, it’s important not to leave them unprotected.

Travel trailer insurance in Alberta is designed to safeguard your investment from unexpected incidents, such as theft, damage, or accidents. While you can’t predict every eventuality, having dedicated insurance coverage for your travel trailer can provide peace of mind and financial protection when the unexpected happens.

It’s important to remember that your personal auto insurance may offer some liability coverage, but this protection is often limited and might not meet your needs. For comprehensive coverage and to ensure your assets are fully protected, we recommend securing a separate, standalone travel trailer insurance policy in Alberta.

What is travel trailer insurance?

Travel trailer insurance provides protection for your travel trailer whether it is parked, stored, or being towed throughout Alberta. This type of insurance is designed to safeguard your investment and offer financial security if your trailer is damaged, involved in an accident, or experiences another unforeseen event.

Alberta has the second highest accident rate in the country, making insurance essential for protecting not only your motor vehicle and trailer, but also your loved ones.

When exploring the idea of purchasing a travel trailer, many people wonder whether their existing car or home insurance policies are sufficient to protect both themselves and their investment.

Car insurance typically provides liability coverage only while you are driving. This means you are responsible for any costs related to damage or replacement of your trailer in the event of an accident.

Although you can add your travel trailer to your home insurance, this coverage is often inadequate and may result in significantly higher premiums. That’s why dedicated travel trailer insurance is a smart choice – it fills coverage gaps and ensures better protection for your trailer and belongings.

Secure and Save: Travel Trailer Insurance for Albertans

Travel trailer insurance offers coverage for your travel trailer while it is being parked, stored or towed in Alberta. It provides physical protection for your trailer and coverage for your belongings, as well as liability in the event you are involved in an accident.

Key Travel Trailer Coverages in Alberta

Protection for Your RV: Your trailer is protected from many causes of physical damage, including fire, wind, hail, motor vehicle accident, and more! Plus, this protection can extend to any small outbuildings you may have.

Liability Protection: If someone gets hurt or has their stuff damaged while visiting you, you can be held liable. Our trailer insurance includes liability protection to help you cover the costs of any injuries, damages, and lawsuits.

Personal Belongings: Any personal belongings kept in your trailer year-round need their own coverage since they aren’t covered under your home, condo, or renters insurance.

Shed & Deck Coverage: Cover detached structures, such as sheds and decks, as well as other trailer accessories, like awnings, satellite dishes, and generators.

Alberta Travel Trailer Insurance Add-Ons

Guaranteed Replacement Cost: Instead of reimbursing your RV’s current value, this depreciation-free coverage pays for a brand-new, comparable trailer.

Elite Roadside Assistance: When you’re in Canada and the continental US, get 24/7 emergency telephone assistance, towing paid if there’s a breakdown, and more.

Full-Timers Package: When you become a full-time RV resident, you’ll face many insurance decisions. Talk to your insurance advisor about your options.

What does travel trailer insurance in Alberta cost?

The cost of travel trailer insurance can vary, as many factors affect your premium. Some of these are within your control, while others are not.

• The value and condition of your travel trailer
• Where you store your trailer
• How you use your trailer
• If you travel as a snowbird
• If you live in your trailer year-round
• Your insurance history
• Your coverage options
• Your chosen deductible

For an accurate estimate of your insurance premiums, connect with one of our Alberta advisors to request your free quote today.

Are travel trailers covered by auto insurance in Alberta?

No and yes. Travel trailers may be protected by your auto insurance policy, i.e., the policy that would apply to your towing vehicle, but that coverage is restricted and only applies when your trailer is being towed. Once the towing vehicle is unhitched, your trailer is completely unprotected and out, exposed, in the elements.

You may want separate trailer insurance for several reasons, some of which are listed below:

1. Liability Risks: Travel trailers may pose increased liability risks that your auto insurance policy wouldn’t have adequate coverage for while towing.
2. Limited Coverage: Auto insurance is intended for your towing vehicle and may be limited when it comes to covering damages or losses to your travel trailer while it’s parked/detached.
3. Vandalism and Theft: Trailers may be exposed to theft and vandalism, which they wouldn’t be covered for under your auto policy while unhitched.
4. Contents Coverage: An auto policy may not cover personal belongings that are stored inside a travel trailer, where travel trailer insurance may cover contents.
5. Modifications and Attachments: Custom mods made to your travel trailer will likely not be covered under your auto insurance policy.
6. Additional Perils: Specific perils may not be covered by your auto policy but would be covered by a separate trailer policy – such as natural disasters, falling objects, and fire.

You can have specialised coverage that completely safeguards your investment, covering liability risks, theft, vandalism, contents, and unique characteristics of your trailer, by acquiring specific travel trailer insurance. It offers specific protection that wouldn’t otherwise exist under your auto policy. For additional information, contact our one of our advisors.

How our Alberta travel trailer insurance experts can help

At Acera Insurance, our goal is to provide you with certainty in your coverage. We work with you to understand your insurance needs, source competitive quotes that have been customized to your unique requirements and offer expert guidance at every step of the way.

Learn more about why Albertans have entrusted us with their travel trailer insurance for over six decades:

• Custom Policy Options: Snowbirds? Full-timers? Recreation-only hobbyists? Depending on your RV usage, you’ll get a policy customized to you.
• Free Personalized Policy Review: Since every policy is different—with different limits—our review ensures you have the right coverage at the right price.
• Claim Advocacy: If you have a claim, we’re here to help you through the process.
• RV Policy Expertise: We specialize in RVs, so we understand their unique coverage needs. In the event of a claim, certified RV appraisers and adjusters will help you out.
• Roadside Assistance: Choose between basic or elite roadside assistance that is specifically designed for trailers.
• Emergency Vacation Expense: If you have a covered claim, you can get some help to continue your vacation, get yourself home, or have somewhere to stay while the repairs are completed.

Multiple Branches Across Alberta

Get real insurance from real people. At our neighbourhood walk-in locations, you can meet our team face to face. Find a branch near you.

Travel Trailer Insurance Alberta: Most Asked Questions