Date Published: 2024/03/27

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Why Insurance Brokers for RVers is a Must

A happy couple standing outside their RV looking off in the distance together.

If you are like most RVers in Canada, you have already started planning your summer travel schedule. As you focus on maintenance, packing, and planning where to go, you may overlook updating your RV insurance policy. All Canadian provinces require drivers of a Motor Home to have an insurance policy on them. 

The term recreational vehicle refers to motorhomes, travel trailers, and campers. The amount you pay for insurance depends on whether you drive a self-contained vehicle or tow it behind you in a standard car or truck. You can purchase RV insurance through a broker or an insurance agent. However, working with an RV insurance broker is in your best interest.

Types of RV Insurance

RV insurance is available in Type A or Type B. Type A is appropriate for motorized units that you drive from one destination to another. If you need to file a claim under Type A RV insurance, you can expect coverage for such things as personal property, emergency services, liability, perils, and depreciation.

Type B RV insurance is for campers, travel trailers, and fifth wheels that you tow behind you. You can purchase physical damage coverage for towable units, along with items such as premises liability, emergency road service, contents coverage.

How to Determine the Coverage You Will Need for Your RV

The amount of coverage you receive from your insurance carrier, the deductible you pay, and your monthly premium all depend on a variety of factors. The main factors considered for your coverage are the year of the unit, make and model, as well as current value and overall length of your unit. 

Do you plan to travel outside of Canada? If so, you should let your insurance broker know to ensure that you have the proper coverage if you need it. The way you use your trailer also matters. Your coverage may vary if you’re traveling with your unit, or you plan to permanently park it in a campground. 

If you’re traveling frequently with your RV, having contents coverage can provide some peace of mind. Although you want to leave valuable items at home as a general rule, you will probably have items with you, such as barbeques, outdoor furniture or lawn chairs that are expensive to replace if stolen.

Understanding the Difference Between an Insurance Agent and an Insurance Broker

An insurance agent represents one agency and only recommends and sells the products offered by the employer. The agent’s salary may depend on how many products they can convince you to buy. Choosing to work with an RV insurance broker offers several benefits, including those outlined below.

  • You receive unbiased advice with no ulterior motive. The broker’s only concern is finding the right policy to meet your needs.
  • Insurance brokers offer you more options than an agent representing a single insurance company can do. 
  • An insurance broker saves you both time and money. You could research multiple insurance companies on your own, but that is a time-consuming task, and you have no guarantee of receiving the best rate. 
  • Insurance brokers focus on building relationships with clients and will explain your options to you in plain language. 

Securing proper insurance for your RV may not be your favourite part of summer travel, but it is essential to protect your home away from home. As an insurance broker located in multiple locations throughout Canada, Orbit Insurance Services will help you secure the most robust RV insurance coverage at a rate you can afford. Please contact an Orbit insurance broker at 844-929-4768 to get a free no obligation quote.