Is Your Camper Actually Insured? Understanding Your Coverage

Apr 2
3 min read

Updated: May 5

Many people assume their vacation trailer or camper is covered under their home or auto insurance policy.

Camping season is here! As the weather warms up, more Canadians are getting their vacation trailers, campers, and RVs ready for adventure. But before you hit the road, it’s essential to know something: your camper might not be as protected as you think.

One of the biggest misconceptions in the insurance world is that vacation trailers, campers, and RVs are automatically covered under a standard home or auto insurance policy. It’s understandable why many people think this. After all, you might assume your auto policy covers anything you tow behind your vehicle, right?

But here’s the reality:

✅ Your auto insurance policy may provide some coverage while your camper is physically attached to your vehicle and being towed.

❌ The moment you unhook your camper at the campsite, your auto policy coverage stops.

This means if something happens to your trailer while it’s parked—like theft, vandalism, fire, or storm damage—it likely won’t be covered unless you have separate coverage specifically for your camper or RV.

Why You Need Separate Camper Insurance Coverage

A specialized insurance policy for your vacation trailer, camper, or RV ensures you are fully protected, whether you’re on the road or parked at your favorite campsite. This type of coverage can provide:

Protection from damage, theft, or natural disasters
Liability coverage if someone is injured at your campsite
Protection for personal belongings and valuable items stored in your camper
Affordable options tailored to your specific needs

Who Needs Camper or RV Insurance?

Whether you’re hitting the road with a luxurious fifth wheel or setting up camp with your travel trailer, proper coverage is essential. If you own any of the following, you may want to consider separate insurance coverage:

Travel trailers
Fifth wheels
Pop-up campers
Truck campers
Motorhomes or RVs

Understanding Different Types of Coverage

When considering camper insurance, you can choose different types that suit your needs. Here are common options:

Comprehensive Coverage: This protects against damages other than collisions.
Collision Coverage: This covers damages from accidents.
Liability Coverage: Essential for accidents where you might be held responsible.

Opting for a customized insurance policy allows you to adjust coverage based on how frequently you use your camper and the value of your belongings inside.

Don’t Let Common Mistakes Leave You Unprotected!

Before you head out for your next trip, ensure your investment is fully protected. Taking a few minutes to review your insurance options can make a big difference. Contact me today for a FREE quote and the peace of mind that comes with knowing you’re covered.

📞 Reach out to me for personalized coverage options that fit your budget and needs.

Stephanie-Lynn Gagne

Registered Insurance Broker Ontario

📧 Stephanie@705insurance.ca

📞 Tel: 705-INS-URAN ext: 105📱

Cell: 705-288-0908

🌐 www.705insurance.ca/Stephanie

Disclaimer: The information provided in this blog post is for general informational purposes only and should not be considered legal or insurance advice. Always consult a licensed insurance broker or legal professional for personalized advice tailored to your specific situation.

The Importance of being Informed

It’s critical to keep yourself informed about your insurance coverage. Many campers think they are fully covered when, in fact, they are not. This lack of knowledge can lead to significant financial losses, especially if a mishap occurs.

Tips for Finding the Right Insurance

Shop Around: Different providers offer various coverage options and prices.
Read Reviews: Look for feedback about each insurance company’s claims process.
Ask Questions: Don’t hesitate to clarify aspects of the policy that are unclear.
Get Everything in Writing: Always ensure you have documentation of your insurance details for your records.