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Lloydminster Travel Trailer Insurance

Protect your trailer with a solid insurance plan

Travel trailer adventures aren’t for everyone, but they do offer an exciting alternative to staying in a hotel during a getaway. Whether you’re trampling the snow in the mountains or enjoying a warm summer night near Lloydminster, trailer insurance is an essential part of the adventure.

Acera Insurance is an independent broker specializing in travel trailer insurance in Lloydminster. We’re licensed in both Alberta and Saskatchewan, so can help you regardless of which side of town you live in.

We offer unparalleled expertise and experience as well as competitive prices with comprehensive protection. Contact us today for a quote or to discuss your coverage. Or read on to learn more about travel trailer insurance in Lloydminster.

Is travel trailer insurance required in Lloydminster?

It’s not mandatory to have insurance for your travel trailer in Lloydminster. But you may want to invest in one. Why? Your vehicle insurance only includes third-party liability coverage for your trailer.

But what happens if you’re involved in an accident and you need to get your trailer repaired or replaced? You require a separate insurance policy for full coverage of your travel trailer.

This is where our RV brokers come in. They will give you trailer insurance policy tailored to your trailer and your budget.

Does my car or home insurance policy cover my travel trailer?

Your car insurance only extends third-party liability coverage to your travel trailer while you’re towing it. This means you’re not covered for any damage to your trailer and would need to pay out of pocket for repairs. For example, if you’re pulling your trailer and accidentally turn too sharply so that an object scrapes and dents the side of your trailer, your car insurance won’t help. However, your car insurance would cover damage done to that object if it requires repairs.

A few scenarios where your vehicle insurance policy won’t cover you:

  • Your trailer sustains physical damage and requires repairs
  • Your trailer is a total loss, and you need to replace it.
  • Legal fees if you get sued after an accident.

As for your home insurance, it depends on your insurer. Some will allow you to add a trailer to your policy, but there are some drawbacks:

  • Limited coverage
  • Eligibility requirements
  • Your trailer may not be adequately insured
  • Your home insurance rate can increase with claims

A travel trailer insurance policy is the best choice to protect your trailer for an affordable price.

What does travel trailer insurance cost in Lloydminster?

Travel trailer insurance in Lloydminster starts at $200 per year. But keep in mind that your premiums depend on your trailer, how you use it and more. The newer and more expensive your trailer, the higher your premiums will be – but that price is impacted by other factors, too.

What factors affect travel trailer insurance premiums in Lloydminster?

There are multiple factors that can impact your trailer insurance rates in Lloydminster. Here are five:

  • How often you use your travel trailer.
  • Your insurance history
  • Your insurance options including deductible and coverages
  • The market and purchase price of your trailer
  • Your trailer’s make, model, and year

Why choose Acera Insurance for your travel trailer needs in Lloydminster?

As one of the top RV brokers in Canada, we are specialists in recreational vehicles, including travel trailers. That means we know how to protect you from hefty bills from your RV adventures in Canada and the U.S.

Our brokers are also RV owners and campers themselves, so they understand your needs and speak your language.

A few other reasons to feel confident about choosing Acera Insurance:

  • Ever policy includes emergency vacation expenses
  • We’re independent – we work for you!
  • Quick turnaround times thanks to in-house underwriting
  • Excellent customer service
  • Competitive prices for comprehensive protection

Regardless of the type of travel trailer you have, we can help you protect it and your adventures.

What does travel trailer insurance cover in Lloydminster?

There are four key coverages included in our travel trailer insurance for Lloydminster residents:

  • Physical damage and loss
  • Emergency vacation expenses
  • Personal and/or premises liability
  • Roadside assistance

Below, we discuss each of these coverage in more detail.

Physical Damage/Loss

Our travel trailer policies cover physical damage to your trailer, its contents and outbuildings such as a shed or deck if it’s caused by an insured peril. Some examples of covered insured perils are:

  • Theft
  • Collision
  • Fire
  • Wind
  • Hail
  • Falling objects (like a tree branch)
  • Impact from another vehicle, boat or aircraft

For a full understanding of insured perils, you should read your policy documents or speak to one of our brokers. Exactly what’s covered will depend on your insurer and individual policy.

Liability (Personal/Premises)

Your auto insurance will extend third-party liability coverage to your trailer while you’re towing it. However, you may require personal or premises liability as well.

What is comprehensive personal liability insurance?

Personal liability is normally covered by your homeowner’s policy (or renter’s or condo policy). We will add this to your policy if you’re a temporary resident in your trailer.

This protection covers your legal fees if a visitor steps into your trailer, falls and gets hurt, or you unintentionally cause damage to someone’s property and you get sued. For example, if someone slips while walking up the steps to your trailer, they could sue you to cover their medical bills and lost income due to being unable to work.

What is premises liability insurance?

If your travel trailer is parked on a lot rented or leased by you and someone gets hurt or injured while visiting you, you’ll have financial protection if you get sued.  This can include a site at a campground or RV resort or a storage lot.

Emergency Vacation Expenses

Emergency vacation expenses cover additional expenses like accommodation or transportation if you have a covered claim while you’re travelling or camping in your trailer. This can be used to get you home, continue your vacation or put you up while your trailer is repaired.

Roadside Assistance

All of our travel trailer insurance policies in Lloydminster include basic roadside assistance.

Below are five benefits that are included:

  • Towing services (limited mileage)
  • 24/7 telephone assistance
  • Door unlock
  • Battery Boost
  • Gas delivery
  • Flat tire change

What is not covered by travel trailer insurance in Lloydminster?

Insurance doesn’t cover damage that is preventable by proper maintenance of your trailer. It’s designed for unexpected events. Here are some things that are not covered by travel trailer insurance in Lloydminster:

  • Wear and tear
  • Extreme temperatures
  • Rust, corrosion
  • Wet/dry rot
  • Seepage, slow leakage
  • Rodents, vermin
  • Insects
  • Material, workmanship or design defect
  • Travel to Mexico

Preventative maintenance is the best way to protect your trailer from damage.

What types of optional travel trailer insurance coverage are available in Lloydminster?

Below are three optional travel trailer coverages:

Increased Limits/Coverage

If you travel with your trailer six months or more annually, you may want to consider extending your policy limits. A policy limit is the maximum monetary limit that your insurance company can give to you after a loss. There is also third-party liability policy limits that you may want to consider.

Ask your RV travel trailer broker today for more details on policy limits and coverage that you need for your unique situation.

Extra Roadside Assistance

There are times when you may need extra backup for your adventures.

Here’s what is offered under our elite roadside assistance option:

  • Towing mileage (extended kilometers)
  • Trip planning
  • Travel and emergency medical advice
  • Pet assistance

Outdoorsy RV-Sharing/Rental Endorsement

Normally, your insurer does not cover you if you rent out your trailer in exchange for money. Luckily, our insurance company partners are starting to offer endorsements that allow you to rent out your trailer while maintaining your coverage. Here’s what you have to do:

  1. Inform your insurer and broker that you want to rent out your trailer.
  2. We’ll add the RV-sharing or RV rental endorsement to your policy.
  3. List your trailer on the approved platform.

Now you can earn some extra money and still have peace of mind your trailer is protected.

Ready to get your free quote?

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