Edmonton RV Insurance

Protect your next adventure with Edmonton RV insurance

Edmontonians love to camp. Whether you’re a front-country camper, crownland camper, or simply someone who wants to escape the cold every winter, Acera Insurance can help you insure your recreational vehicle.

We offer comprehensive, affordable RV insurance in Edmonton as well as independent advice from experienced RV insurance brokers. Worry less and enjoy your adventures with the right protection.

Different kinds of RV insurance in Edmonton

While 3 out of 20 people own an RV in Canada, more people in Alberta have joined the RV lifestyle than any other province in the country.

But how many of those RV owners have adequate insurance in the event they have an accident or get their belongings stolen? Surprisingly, some RVers don’t have the proper insurance. They’re on the hook for replacing their RV and belongings if something unexpected happens.

Below we summarize the four types of RVs that we insure and what you will need to enjoy your RV life in Edmonton and beyond.

Travel Trailer

Travel trailers come in many different shapes and sizes, but the one thing they all have in common is that they’re towed by or placed on a vehicle.

If you’re towing a travel trailer, your vehicle’s auto insurance only covers third-party liability and accident benefits coverage. You’ll have no protection for damage to your trailer and no coverage at all when you’re not towing.

Luckily, our travel trailer insurance offers Edmonton residents affordable, comprehensive coverage so that they’re protected.

Motorhomes

If you own a motorhome, you know it can cost a pretty penny. Whether you’re buying a new or used motorhome, it’s a major investment – similar to a home. You wouldn’t skip getting homeowner insurance, so why skip out on a motorhome policy?

Our RV insurance includes the liability and property damage coverage you need for your motorhome as well as other perks like emergency vacation expenses.

Mobile Homes and Park Models

Mobile homes and park models are affordable options with lots of variations. You can live in these units seasonally or year-round and make great temporary or full-time homes. In some cases they can be installed on a rented lot in a campground or RV resort.

Park models and mobile or manufactured homes are very similar to insure to a home. Whether you live in it seasonally or year-round, the home must be blocked and skirted. This coverage can include property damage, personal or premises liability and additional living expenses, among other protections.

What does an RV insurance policy cover in Edmonton?

Your Edmonton RV insurance policy is tailored to your specific needs. We discuss the most common and major coverages available. Your policy may be different – your policy documents will have the full details of what’s covered by your individual policy.

Policy Highlights

Here we focus on the policy highlights for each type of recreational vehicle.

Travel Trailer

A basic trailer insurance policy includes:

• Physical damage for your trailer, contents, and outbuildings if damaged by an insured peril.
• Roadside assistance.
• Emergency vacation expenses.

We can also add on comprehensive personal liability or premises liability if required.

Motorhomes

Standard coverage for a motorhome includes:

• Third-party liability/accident benefits (typical auto policy coverage, covers legal and medical expenses after a collision).
• Direct compensation physical damage (covers repairs to your motorhome if you’re not at fault or partially at fault in an accident).
• Physical damage to your motorhome, its contents and outbuildings.
• Emergency vacation expenses.

We can also add on comprehensive personal liability or premises liability if required. Some policies also include roadside assistance.

Mobile Home & Park Model

The basic coverage options for a Park Model and a Mobile Home:

• Physical damage to your home, contents and outbuildings if damaged by an insured peril.
• Premises or personal liability coverage, to cover legal expenses if a visitor gets hurt or has their property damaged.
• Additional living expenses if you’re forced from your home due to an insured peril like a wildfire.

Your mobile home must be blocked and skirted for your insurance policy to be valid.

Optional Insurance Coverage for RV Owners in Edmonton

You may want extra coverage for your recreational vehicle in Edmonton if you spend more time travelling in your RV or simply want additional peace of mind.

4 Add-Ons for your Edmonton RV

Below we discuss four additions that you may want to consider for your regular RV insurance policy.

Full-Timer Insurance & Snowbirds

If you’re travelling full-time or snowbird in the winter, you have different insurance considerations than someone who just uses their RV locally in the summer.

We offer coverage for those travelling full-time in an RV and in some cases, we can offer coverage for those living in their RV full-time in one spot. We can also help you secure insurance if you’re snowbirding in the US for up to six months of the year.

For example, if you live in Canada for six months of the year in a permanent residence and then head to Arizona in your RV for the other six months, we can likely insure you. You’ll want adequate contents coverage and potentially liability coverage. Contact us today to discuss your situation with one of our RV insurance brokers in Edmonton.

Roadside Assistance

If you’re travelling full-time or snowbird in the winter, you have different insurance considerations than someone who just uses their RV locally in the summer.

We offer coverage for those travelling full-time in an RV and in some cases, we can offer coverage for those living in their RV full-time in one spot. We can also help you secure insurance if you’re snowbirding in the US for up to six months of the year.

For example, if you live in Canada for six months of the year in a permanent residence and then head to Arizona in your RV for the other six months, we can likely insure you. You’ll want adequate contents coverage and potentially liability coverage. Contact us today to discuss your situation with one of our RV insurance brokers in Edmonton.

Extra Roadside Benefits:

• Extended towing mileage
• Trip planning
• Travel/emergency medical advice
• Pet assistance on the go

Guaranteed Replacement Cost

If you’re involved in an accident, then submit a claim, your recreational vehicle may be a write-off. In this case, how much do you get reimbursed?

If you have a RV insurance policy and choose guaranteed replacement cost as your loss settlement option add-on when you set up your policy – the coverage will get you a new comparable RV.

Extra Coverage for your Items

If you’re bringing a lot of stuff with you on your camping trips or are bringing higher-value items, you may need extra coverage for your personal belongings.

What isn’t covered by Edmonton RV insurance?

RV insurance is designed for unexpected events. It doesn’t cover every cause of damage. Below are some things that are not covered by our recreational vehicle insurance policies:

• Wear and tear
• Damage caused by insects, rodents and vermin
• Mold or rot damage
• Manufacturer defect
• Seepage or leaking

Your policy documents will outline specific exclusions. It’s always a good idea to read through those and keep up with maintenance on your RV to prevent uninsured damage.

Edmonton RV Insurance FAQs