05/26/2025

Insuring Your Travel Trailer or RV is a Road Trip Essential

Whether you're a weekend camper or a full-time road warrior, owning a travel trailer or RV opens up a world of freedom and adventure. You can chase sunsets, park by a peaceful lake, or wake up to views of nature, all from the comfort of your own cozy home on wheels. But just like your everyday vehicle or home, your RV or travel trailer needs protection too. Before you hitch up and head out, let’s talk about why RV insurance is more than just a good idea. It’s a road trip essential!

1. Standard Auto Insurance Usually Doesn’t Cut It

Many people assume their regular auto policy covers their RV or trailer, but that’s not always the case, especially if it’s a towable travel trailer. Auto insurance may offer some limited coverage while you’re towing, but it typically won’t protect the trailer itself, your belongings inside, or any liability that could arise when you're parked at a campsite. That’s where RV or travel trailer insurance steps in.

Think of it like this: Would you only insure your house while it’s being transported? Probably not. Same goes here.

2. Protects Your Home Away From Home

RV insurance can help protect your rig against a variety of risks, including fire, theft, vandalism, falling tree branches (we’re looking at you, campsite #417), and weather-related damage. Whether it’s a minor fender bender or a major mishap, coverage gives you peace of mind that you won’t be left footing the entire bill.

Even if your trailer is parked in your driveway all winter, damage can still happen. Think snow loads or accidental backing-up incidents (don’t worry, we’ve all been there).

3. Covers What’s Inside, Too

Your travel trailer isn’t just a shell. It’s filled with personal belongings, gear, electronics, and sometimes even furniture or appliances. RV insurance can offer personal property protection, helping you recover the cost of items lost or damaged due to theft or an insured event.

So yes, even your beloved marshmallow roasting stick collection could be protected!

4. Liability Coverage Keeps You Financially Safe

Accidents happen. Whether someone trips on your RV steps at a rest stop or your parked trailer accidentally rolls into another vehicle (cue slow-motion horror face), liability coverage is crucial. It helps cover legal or medical costs if you’re found responsible for damage or injury to others.

It’s not fun to think about, but even a minor incident can come with a big bill if you're not insured.

5. Optional Add-Ons = Even More Peace of Mind

Depending on your needs, you can add extras like roadside assistance, vacation liability (for when you’re parked and living in your RV), or full-timer’s coverage if your RV is your primary residence. These options help customize your policy to match your lifestyle, whether you’re a weekend warrior or permanently on the move.

6. It’s Required in Some Cases

If you’re financing your trailer or RV, your lender will likely require you to carry insurance. And in Ontario, if your RV is a self-propelled motorhome, it must have its own auto insurance policy. Towable trailers do not require their own policy by law, but they’re typically only covered for liability when attached to your vehicle and on the road. That means you’ll likely want coverage to protect the trailer itself and everything inside it, especially when it’s parked at a site.

Don’t Hit the Road Without It

Travel trailers and RVs represent more than just an investment. They’re a ticket to making lifelong memories. Whether you’re heading to your favourite local campground or doing a cross-country tour, proper insurance helps ensure that a bump in the road doesn’t turn into a total detour.

If you’re not sure what kind of coverage you need, we’re happy to help! At Erion, our team is here to guide you through your options and make sure you’re covered for whatever the road ahead brings!