Recreational Insurance

Coverage for wherever your adventures take you.

Your recreational vehicles are more than just machines - they’re the keys to your next adventure! Whether you’re exploring the open waters or taking the road less travelled, Erion compares policies across multiple providers to ensure you have the best coverage for your leisure investments, leaving you to focus on the fun.

Enjoy the Journey Ahead

Local expertise for Niagara’s explorers.

From the lakes to the trails, Niagara offers endless places to explore. Erion is here to help protect your journey and ensure that no adventure goes unprotected. Our brokers have deep roots in the Niagara community, and they know what it takes to safeguard your boats, ATVs, RVs, and more.

ATVInsurance

Take your adventures off-road with peace of mind. Our ATV insurance protects you and your ride from unexpected ruts, so you can focus on the fun.

WatercraftInsurance

Set sail on a carefree adventure! From jet skis to fishing boats, our watercraft insurance has you covered on the water, protecting against accidents, theft, and other surprises.

SnowmobileInsurance

Our snowmobile insurance covers you from slips and bumps on your winter rides, so you can enjoy the thrill without worry.

RV & CamperInsurance

Whether it’s a cross-country road trip or a weekend getaway, our RV and camper insurance makes sure your home on wheels is fully protected—wherever the road takes you.

Recreational insurance tailored to your lifestyle.

Erion believes that your recreational coverage should be as personalized as your adventures. From damage protection and liability coverage to ensuring your assets are secure, our team carefully considers each detail so you can concentrate on what really matters - making memories!

Accident Benefits

Provides benefits to assist you if you're injured while operating your recreational vehicle.
All-Perils

Combines collision and comprehensive coverage with added theft protection, covering vehicle-to-vehicle damages, fire, falling objects and collision with animals.
Collision Coverage

Pays for repairs or replacement if your vehicle is damaged in an accident, whether with another car or an object, even if you’re at fault.
Comprehensive Coverage

Covers non-collision damage to your vehicle from incidents like weather, fire, theft, or vandalism.
Content Coverage

For full-time RV enthusiasts, this optional add-on covers personal belongings kept inside your RV.
Direct Compensation Property Damage

Covers damages to your vehicle in a collision if another driver has valid insurance and is at fault.
Replacement Cost

Insuring your RV to its Replacement Value is important so that if it's totalled, you can get back on the road with an adequate replacement.
Third Party Liability

Provides legal protection if you’re sued after causing an accident that injures others or damages their property.
Uninsured Automobile

Covers all accident costs if the at-fault driver is uninsured or if they flee the scene.

Enjoy your adventures with coverage you can trust.

Quote My Adventure Insurance

Your FAQs answered.

Have questions about insurance? You're not alone! From coverage details to claims processes, we’ve compiled answers to the most common inquiries to ensure you have all the information you need.

Read All Our FAQs

What types of recreational vehicles can be insured?

We cover a wide range of recreational vehicles, including ATVs, motorcycles, boats, RVs, trailers, and more. We’re here to help you find coverage that fits your specific lifestyle.

Is my recreational vehicle covered when I’m transporting it?

Yes, in most cases, your recreational vehicle can be covered during transport, whether on a trailer or towed behind your car. Let us know your plans, and we’ll make sure you have the proper protection.

Does recreational insurance cover damages due to weather or natural events?

Many recreational insurance policies cover damages caused by specific weather events, such as hail, wind, or floods. However, it’s best to discuss details to ensure complete protection.

Is liability coverage necessary for my ATV or boat?

Liability coverage is crucial for recreational vehicles like ATVs and boats. It protects you from financial responsibility if you accidentally injure someone else or damage their property while enjoying your vehicle.

Can I get coverage for accessories or equipment on my recreational vehicle?

Yes, you can add coverage for accessories, such as trailers, equipment, or specialized gear. We’ll work with you to protect the value of everything you need for your adventures.

Do I need separate insurance for each recreational vehicle?

Yes, each recreational vehicle may need its own policy. However, some insurers offer multi-vehicle discounts or bundled packages to help you save while covering all your recreational assets.

Will my recreational insurance cover out-of-province or international trips?

Some policies provide coverage for trips outside your home province or even internationally. If you plan on travelling with your recreational vehicle, it's essential to check these details.

Do I need insurance for my trailer, even if it’s not motorized?

Trailers often require insurance to protect against theft, damage, and liability. Whether motorized or not, trailers can be valuable assets worth protecting.

How much liability coverage should I get for my recreational vehicle?

The amount of liability coverage depends on how and where you use your vehicle. Higher coverage may be advisable if you frequently use your vehicle in public areas or high-traffic zones. We’ll help you get the right coverage for your needs.

Can I suspend coverage on my recreational vehicle during the off-season?

Some policies allow you to adjust or suspend coverage during the off-season. This can help reduce costs while protecting your vehicle from theft or vandalism when it is stored.