Kelowna Travel Trailer Insurance

Enjoy the open road while towing the comforts of your home

Travel trailers are a great way to explore the charming city of Kelowna and its many beautiful sites. The wilderness here is expansive, meaning there are many campgrounds in Kelowna and parks where you can set up camp for a night or several.

You probably know that buying a travel trailer is a big decision requiring a lot of research to find the right style and size for you, and it’s the same way with insurance. Insurance is designed to protect you, your passengers, and assets.

Travel trailer insurance is a must to protect your investment and prevent you from draining your bank account in the event your trailer suffers any kind of damage. Plus, it keeps you rolling, so no interruption will hold you and your family down for long, and you can get back to vacationing sooner.

What classifies as a travel trailer?

The concept of a travel trailer often gets mixed up with RVs since they are quite similar. However, to be able to get the right kind of insurance policy, you will need to know if your vehicle is classified as a travel trailer, or as an RV. RV insurance is designed for motorized recreational vehicles.

A travel trailer can go by many names such as towable campers, truck campers, or fifth-wheel trailers, which are all correct to use.

Travel trailers are distinguished by the fact they are non-motorized vehicles, but something you tow behind with your vehicle. Most travel trailers feature a hitch that you can attach to your car and tow anywhere, park anywhere, unhook anywhere, and use the car to explore an area while your home is waiting for you when you are done. Note: your car insurance policy will not cover your trailer once it has been unhitched.

Types of Travel Trailers in Kelowna

There are numerous diverse types of trailers that exist in Kelowna. Note that all trailers and vehicles in Kelowna must comply with the City of Kelowna’s Consolidated Traffic Bylaw.

• Basic travel trailers: These are the easiest of trailers to set up and are available in all kinds of styles and sizes.
• Pop-up trailers: These trailers are easy to tow for being lightweight and usually cost a bit more than other types.
• Fifth-wheel trailers: This type of trailer needs to be towed with a pickup truck since they are larger and heavier which also makes them able to have more luxurious features.
• Toy hauler trailers: These trailers are all about versatility with lots of storage space.
• Off-road travel trailer: These trailers are known to be more on the luxurious side and for those looking for exciting outdoor adventure.
• Hybrid trailers: These trailers are a mixture of traditional travel trailers with pop-outs on the sides that open manually. They are also known to be more comfortable with additional space.
• Teardrop trailers: These are typically made up of a bed, but are available in assorted sizes and can be stored in a garage.

What is travel trailer insurance?

Travel trailer insurance is a type of vehicle insurance policy that is designed specifically to cover the risks of owning a travel trailer.

Like any other policy, there is a minimum amount of coverage with optional add-on coverage options for you to choose from according to your needs.

Travel trailer insurance is not mandatory, to note. Because a trailer is not self-motorized, it does not legally require insurance. We still, however, highly recommend insuring your travel trailers, since your auto insurance policies are limited when it comes to extending coverage to these items.

Why do you need travel Trailer insurance in Kelowna?

Again, your car insurance offers some coverage for your travel trailer, but only when it’s still hitched to your vehicle. Some home insurance policies can also extend and cover your travel trailer’s contents.

Neither your home nor car policy includes collision and comprehensive benefits to protect your trailer from the many possible accidents that could potentially arise while towing a travel trailer.

Travel trailer insurance comes into play to fill in the gaps left by home and car insurance and covers all the perils only a travel trailer can be exposed to.

This would be the wiser option since all the uncovered risks you are exposed to would likely cost you significantly to recover from damage if you are not insured.

That is why a Kelowna travel trailer insurance policy would be a safe financial net to fall on when needed. It offers great protection, it is relatively inexpensive, and it gives you peace-of-mind to enjoy your trip.

Contact our Kelowna travel trailer insurance brokers now for a free quote!

Why choose Acera Insurance for your Kelowna travel trailer insurance?

You should insure your Kelowna travel trailer with Acera Insurance because:

• We advocate for you.
• We’re independent, which means you come first, we don’t work for insurance companies.
• We have expert Kelowna travel trailer insurance brokers who know the ins and outs of policies and can answer your questions.
• We can get you the coverage you need for the price that you can afford.
• We are campers ourselves, so we’re truly a part of the community and share its lifestyle.

What does travel trailer insurance in Kelowna Cover?

Every insurance carrier may have a separate set of options that you can choose from when insuring your trailer. However, some of the most common travel trailer insurance coverage options you can get are:

• Extended liability insurance
• Coverage for the physical trailer, its contents, and accessories.
• Coverage for the trailer hitch or anything you use to attach the trailer to your vehicle.
• Damage and loss resulting from theft, vandalism, fire, falling objects, or a collision.
• Lock replacement coverage
• Overland water and sewer back-up

There are also optional add-ons endorsements that offer extra protection for your travel trailer such as:

• Emergency roadside assistance – This is a great add-on for your policy, since breaking down on the side of the road is not an uncommon event with road-tripping with a travel trailer.
• Premise Liability – This is yet another important coverage to consider adding since it offers protection for your travel trailer while it is parked and someone suffers from an injury or property damage and files a claim.
• Emergence Vacation Expense – This coverage guarantees you do not stop your vacation even when your trailer is damaged, so this endorsement is designed to give you a replacement trailer until yours is fully repaired.

Find out what else you can include when you talk to one of our insurance brokers and get a free travel trailer insurance quote now.

How much does travel trailer insurance in Kelowna cost?

Many factors will play a role in the cost of your travel trailer insurance in Kelowna, including the following:

• The make and model of the trailer
• Size of trailer
• The trailer’s features and accessories
• Driving history
• Insurance history
• How often you use the trailer
• Where you park or store the trailer
• The amount of coverage you include
• The policy’s limit and deductible amount

Since there are so many factors, it is hard to give an “average” price for your travel trailer insurance. You might pay anywhere between $300 to $1000 per year depending on the amount of coverage.

Considering how much a new travel trailer could cost you, this insurance is well-worth the price! Trailers do not come cheap, and that’s only considering the upfront cost to purchase one.

Our team of expert travel trailer insurance brokers in Kelowna can get you some of the best prices out there.

Kelowna Travel Trailer FAQs

Here are some of the most commonly asked questions we receive about travel trailer insurance in Kelowna.