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Edmonton Recreational Insurance

Customized insurance for recreational vehicles in Edmonton

As an Alberta-based company, our team at Acera Insurance knows how important recreational vehicles are for enjoying all the nature around us. Whether you’re heading out into the mountains with your ATV or taking your family to the lake in a camper for a weekend – our recreational vehicle insurance brokers have you have covered.

What is recreational vehicle insurance?

Edmonton recreational vehicles can come in many forms including boats, ATVs, motorhomes and trailers. The insurance policy will depend on the type of vehicle(s) that you own. Generally, recreational vehicle insurance will provide similar coverage as your auto insurance policy. However, a key difference is that these policies will usually offer a higher threshold for liability risks that are unique to each vehicle.

Recreational vehicle insurance coverage options in Edmonton

Since recreational vehicles come in all shapes and sizes your insurance coverage can be tailored to fit your lifestyle needs.

We provide recreational insurance for:

  • Motorcycles
  • Snowmobiles
  • All-terrain vehicles
  • Antique vehicles
  • Motorhomes
  • Campers
  • Trailers
  • Watercraft
  • Motorcycle Insurance

Edmonton motorcycle insurance

Hitting the open road on a beautiful summer day sounds like the dream for many motorcycle enthusiasts in Edmonton. But before you make a big purchase or even bring your motorcycle out of winter storage, it’s important to make sure you have proper insurance before you head out.

While motorcycle insurance and regular auto insurance are similar, motorcycles insured in Edmonton require the following mandatory coverages in case you’re involved in a collision:

  • Accident benefits – cover your own medical and other benefits.
  • Third-part liability – helps cover injuries to third parties and legal expenses if you’re sued.
  • Direct compensation for property damage – if you’re not at fault for the collision this will cover repairs to your vehicle.

Each motorcycle policy will be different, depending on the driver. Our Acera Insurance brokers can help you find the best policy for your needs.

Edmonton snowmobile and ATV insurance

The joy of owning an ATV and/or snowmobile is the ability to see parts of nature that many others have never seen before. While getting to head out and explore Alberta’s gorgeous landscapes is great, depending on the vehicle, it’s also important to make sure you have liability insurance.

ATV liability insurance is mandatory in Edmonton for anyone who takes their snowmobile or ATV on public highways or streets or rides it on public land. This coverage will ensure that you are protected if you unintentionally injure someone or damage someone’s property.

Your coverage will be affected by how often the vehicle is used (if it’s a seasonal vehicle like a snowmobile you may only need six months of insurance coverage) and where you take it. Talk to one of our dedicated brokers to learn more about snowmobile and ATV insurance policies.

Edmonton motorhome insurance

Motorhomes require many of the same coverages as a vehicle. The key difference here is that a motorhome is seen as a house on wheels and, outside of car insurance coverage, you will also need protection for your personal belongings and physical damage.

Depending on your lifestyle, how you use your motorhome may vary. Some specialty coverages for motorhomes include:

  • Snowbirding Coverage – if you like to escape winter and head south for a few months, this will provide extended coverage.
  • Full-timer’s Coverage – provides additional liability and contents protection for those living in their motorhomes full-time.
  • Roadside Assistance – since motorhomes require specialty roadside assistance this service is usually offered as part of an insurance package.
  • Emergency Vacation Expenses – life happens. If your trip gets interrupted by a covered claim, you can potentially get funds to help covers costs while you wait for your repairs.

Edmonton camper and trailer insurance

Fun fact: Your auto insurance policy will offer liability coverage while you’re driving, leaving you on the hook for the cost of any damages if you have an accident. If you add your camper or trailer to your home insurance policy, it won’t cover items that are left in your vehicle year-round.

It’s important to work with an insurance broker to design a policy that supports your needs. Whether you just head out on the weekends or decide to hit the open road full-time and live permanently in your camper or trailer – your broker will make sure you’re covered so you can focus on the experiences that camping gives you.

Edmonton boat and watercraft insurance

Even though Edmonton may be landlocked, there’s plenty of places to enjoy the water. Before setting sail, it’s important to make sure that you have proper boat insurance coverage in place. This is key for protecting yourself from expenses related to injuries or damages related to an accident, so you don’t have to pay out of pocket.

Some key coverages recommended for boat and watercraft insurance include:

  • Third-Party Liability – can help cover the costs associated with injuries or damage to other people, boats, and other property while operating your boat.
  • Collision – can help cover the costs of repairing or replacing your boat if it is damaged because of a collision.
  • Wreck Recovery – can help cover the costs of recovering your boat if it sinks.

How much is recreational vehicle insurance in Edmonton?

When getting a quote for recreational vehicle insurance policy premiums, the numbers are influenced by several factors that include:

  • Your driving record and insurance claims history
  • The age, make and model of the vehicle
  • Your age, gender, where you live and your credit rating
  • How and where the vehicle will be stored along with any security and safety features
  • How often you use the vehicle, where and when you go and for how long

Make sure to review your coverage annually with your broker and notify them if any changes occur that may affect your policy.

Get free recreational vehicle insurance quotes

One thing about living in Edmonton is how much we love exploring nature, whether it’s with an ATV or heading out camping for the weekend. Your insurance needs will fluctuate depending on the types of toys you have. Get started in the insurance process with a free quote. An Acera Insurance recreational vehicle specialist will be in touch to help you build your policy.

Get top recreational vehicle coverage in Edmonton with Acera Insurance

We have been assisting our clients in finding the right recreational vehicle insurance coverage for over 60 years. Our team of Edmonton insurance brokers will listen to and work with you to find a quote that fits your budget and provides the best coverage for your lifestyle.

As the largest independent, employee-owned brokerage in Canada, we have numerous contacts within the industry to ensure you have several insurance carrier choices. Get a quote by giving us a call today.

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Simply complete our online form to receive free, no obligation quotes and advice from an expert broker.