RV, Motorhome & Trailer Insurance
Peace of mind wherever you roam.
We offer insurance for RVs of all types and ages, including trailers, motorhomes, park models and mobile homes. Get coverage whether you’re living full-time in your RV or taking your vehicle out on the open road.
Your guide to RV, motorhome & trailer insurance.
Whether you’re hopping around campgrounds or parked on a permanent lot, Acera Insurance can help protect your recreation time. We work with top RV insurance companies and offer in-house underwriting in order to find the right coverage for you, at the right price.
Insurance coverage is available for:
- RVs
- Motorhomes
- Travel trailers
- Park model trailers
- Mobile homes
Coverage across Canada.
Get RV, motorhome, and trailer insurance by phone or in-person at your nearest location.
Choosing from our most common coverage types.
Our RV insurance specialists make sure your RV, motorhome, and trailer insurance is tailored to your lifestyle and needs. Explore our coverage options.
Guaranteed Replacement Cost
This coverage ensures you can replace your RV with a similar model. Premiums for this coverage are higher, but give you additional peace of mind about RV replacement.
Full-time Usage
This covers you for personal liability and property if you live or travel in your RV full-time.
Overland Water
This covers damage to your RV caused by overland water perils such as rainfall, snowmelt, and overflow of a lake or river.
Emergency Vacation Expense
If your trailer is damaged while you’re on vacation, this coverage takes care of necessary expenses while you wait for repairs.
Roadside Assistance
This coverage is available for trailers while out on the road, including towing, flat tire, battery boosts, fuel delivery, lockout service and extraction.
Peer-to-peer Rentals
This covers you if you rent your RV or trailer to someone who isn’t already on your insurance plan.
Why choose Acera Insurance for RV, motorhome & trailer insurance?
Our trusted advisors know what you need and are here to provide you with the comprehensive coverage and exceptional service you expect.
Insurance from Campers
Get exceptional service from brokers who are also campers so they know exactly what is needed for your situation.
Comprehensive Coverage
You’ll get everything you need and nothing that you don’t with our full RV, motorhome, and trailer insurance.
Unparalleled Expertise
A faster and more efficient way to get RV insurance, including in-house underwriting from our team.
Helpful tips from our advisors.
Our team is here to ensure you get the best coverage available so you can enjoy rest, relaxation, and recreation time with family and friends.
Answering your most common questions.
Do I need to insure my RV when I’m not using it?
Yes. There are four main reasons to insure your RV even if it’s parked and you’re not using it:
- Your RV can be damaged at any time
- It can cause damage or injury at any time even if it’s parked
- You might be legally or contractually obligated to have your RV insured
- RV insurance is priced for year-round coverage so you’ll see higher prices and may not be able to get coverage if you cancel seasonally
Is hail damage covered by RV insurance?
If you have property coverage on your RV and no hail exclusion, then yes, your RV insurance will cover hail damage. If you don’t have property damage coverage, such as a motorhome with third-party liability only, you would not have hail coverage.
Is RV insurance required?
If you have a motorhome, you are required to carry a minimum amount of third-party liability, accident benefits and direct compensation for property damage insurance like any other vehicle on the road. The exact requirements vary by province, as auto insurance is provincially regulated.
You may also be required to have insurance for your RV if it’s financed. This is often required by the lender to ensure their asset is protected. RV insurance can also offer you peace of mind and financial security if an accident should happen.
What affects RV insurance rates?
RV insurance rates are impacted by:
- The make, model and year of your RV
- Your driving record
- Your insurance history (how many claims and what type of claims you’ve had, how long you’ve been insured)
- Coverage options and limits
- Deductible amount
- How you use your RV
- Credit history
- If you’re eligible for discounts
Does RV insurance cover my personal belongings?
Yes, if you have property coverage as part of your RV insurance policy, your personal belongings are covered, as long as they’re damaged or destroyed by an insured peril like fire. Some items may not be covered to their full value like jewellery, electronics and sports equipment like bicycles. Toys like jet skis, dirt bikes and ATVs need separate coverage.
Speak to a broker to make sure you’ve got the right protection and amount of coverage needed for your belongings.
Can I just add my RV to my home insurance policy?
In some cases, yes you can try to add your RV or trailer to your home insurance policy but not all home insurance companies will let you. Make sure to evaluate if the coverage meets your needs and keep in mind that a claim on your trailer would be a claim on your home insurance policy.
Is my trailer covered by my auto insurance while I’m towing it?
Aside from third-party liability coverage, your auto insurance does not cover your trailer, even while you’re towing it. If you were to get into an accident, the damage to your trailer wouldn’t be covered – unless you went after another at-fault driver who caused the damage.
Am I covered if I take my RV across the border?
Our policies do offer coverage for your RV travel in the U.S. However, there may be a limit on how long you can be in the U.S. each year. Most policies do not cover travel to Mexico.
Personal insurance insights for your everyday.
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