Compare travel trailer insurance quotes and save today | (2024)

If you're in the market for affordable trailer insurance, we can help. Our brokers will uncover the coverage needed, so you can enjoy stress-free camping with your trailer this year.

How to get trailer insurance with

  1. Share information

    Fill out a quick form to tell us about yourself and your trailer insurance needs.

  2. Get a quote

    Connect with one of our licensed brokers, and get a personalized quote for your trailer policy.

  3. Secure your policy

    Once you're happy with the details, bind your trailer policy with us, so you can hit the roads worry-free.


How to get cheap insurance for a trailer

  • Bundle insurance products

    By insuring your car, home, and trailer under the same company, you can receive discounts for being a loyal customer.

  • Install security devices

    Many insurers offer discounts for having an approved security system in place – reducing your risk can lower your rate.

  • Get a group rate

    Ask your provider about group rates – oftentimes, certain groups and alumni will be eligible for trailer insurance discounts.

How does travel trailer insurance work?

Compare travel trailer insurance quotes and save today | (1)

Trailer insurance is a form of coverage that protects your non-motorized vehicle from the unique risks it could face – such as liability, collision, and theft. It differs from RV motorhome insurance, a type of policy that's required for vehicles that aren't towed but rather driven on their own.

In Ontario, a trailer won't be covered entirely by your personal car insurance policy. Instead, the third-party liability portion will apply to a trailer but only while it's being towed. And other types of coverages on your auto policy – such as collision and comprehensive insurance – won't automatically extend to your trailer.

That's why you should consider purchasing trailer insurance separately. Not only will you be covered adequately against risks on the road, but you can also protect yourself from off-road risks, such as a break-in. It's always a good idea to protect yourself financially, and it may be exactly what you need to enjoy your road trip worry-free.

Do you have to insure a trailer in Ontario?

Non-motorized, towed vehicles don’t require their own insurance policy in Ontario. But despite so, it’s always a good idea to protect yourself financially ahead of time.

The different types of trailers to insure

No matter what type of trailer you own, you can find customized coverage for your needs – here are a few examples of trailers that should be insured.

    What does trailer insurance cover?

    While your auto policy can extend some protection to your trailer while it’s hitched, you’ll still be left with many gaps – so here are some types of coverages you can consider adding to your trailer insurance policy.

    • Third-party liability– Your car’s liability insurance can protect your trailer while you’re towing it on the road, but the coverage won’t apply while it’s parked. Trailer liability coverage ensures you’re protected at all times against claims of bodily injury and property damage from a third party – it can be used to pay for legal expenses, medical bills, and awarded damages.
    • Collision insurance – Collision insurance for your trailer works the same way as it would on a conventional car policy. With this coverage, the cost to repair or replace your damaged trailer will be covered by your insurance company in the event you hit another vehicle or an object while driving.
    • Comprehensive insurance – Comprehensive insurance protects your trailer from risks that aren’t collision-related. This can include loss or damage claims regarding theft, vandalism, fire, severe weather, and falling objects.
    • Specified perils insurance – If you choose specified perils insurance for your travel trailer, you’re essentially selecting the exact risks you want to be protected against. For instance, you can name theft and fire as perils on your trailer policy but omit coverage for falling objects. While it does expose you to more risk, it’s cheaper than choosing full comprehensive coverage.
    • All perils insurance – By choosing all perils insurance, you’ll generally be protected against all risks of loss or damage, except for those explicitly disregarded in your trailer policy. Essentially, it’s a combination of collision and comprehensive insurance, plus a little extra.
    • Contents insurance – Like the contents insurance on your home policy, this type of coverage insures the personal belongings stored within your trailer. That way, if a thief breaks into your vehicle during your camping trip, you won’t be on your own when it comes to replacing everything.
    • Emergency roadside assistance – Emergency roadside assistance for a trailer works similarly to the way it would for your car. You’ll be covered if you’re ever in need of services, such as towing and battery boosting.
    • Emergency vacation expense – This coverage can help pay for reasonable expenses incurred while you’re waiting for your trailer to be repaired or replaced due to an insured risk – some examples include hotel bills, bus passes, and food deliveries.
    • Guaranteed replacement cost – This endorsem*nt provides you with the funds to replace your trailer with a new one, in the event your vehicle is declared a total loss due to an insured risk. Otherwise, you could be paid out the actual cash value, also known as the depreciated value of your trailer.
    • Frozen food coverage – Frozen food coverage is exactly what it sounds like – compensation for your frozen food if it becomes spoiled or damaged after a trailer accident.
    • Water protection – A water protection endorsem*nt protects your vehicle from damage caused by flooding. Depending on your policy, this can include coverage for overland water, sewage back-up, or both.
    • Full-time & camper liability – Full-time liability insurance can protect you against claims of third-party property damage or bodily injury claims while you’re using your trailer as your primary residence. Camper liability insurance, on the other hand, protects you against legal claims while you’re using your trailer for a short-term trip.

    How much does trailer insurance cost?

    The more expensive your trailer costs, the more you’ll be paying to insure it. Therefore, the cost of trailer insurance can vary greatly – expect to pay anywhere from $250 to over $1,000 each year for coverage. To get a personalized travel trailer insurance quote, be sure to book a call with one of our licensed brokers today.

    request a quote

    Factors that impact your trailer insurance quote

    1. Type of trailer

      The cost of a trailer can range greatly, and therefore, so does its insurance. Generally speaking, the more expensive it is to repair or replace your vehicle, the more you’ll be paying to protect it. Also, larger trailers often come with higher premiums due to the increased risks.

    2. Storage

      Your insurer may take into account how you store your trailer when it’s not in use. Parking your trailer on a public road brings a different level of risk than parking in a private garage – and your insurance premium will reflect that.

    3. Contents value

      With more valuables in your trailer, comes the need for more trailer insurance. Therefore, if your vehicle is decorated with all new furnishings and equipped with expensive technology, expect to pay more for your contents coverage.

    4. Trailer usage

      The more you use your trailer, the more expensive your premium will be. So if you’re a full-timer, don’t expect to pay the same rate as someone who hitches their trailer once every summer.

    1. Coverage type

      A policy an increased coverage selection will cost more, simply because you’ll be protected against more risks. And if you choose to insure your trailer and contents for its replacement value – instead of its depreciated, actual cash value – you’ll also be paying more.

    2. Insurance history

      If you’ve made several at-fault claims in the past, don’t expect your future rates to be cheap. Insurance companies like to see low-risk policyholders, so a clean insurance history and a low trailer insurance premium go hand-in-hand.

    3. Applicable discounts

      For a lower rate, be sure to ask your insurance broker about available trailer insurance discounts. There are many ways to save, including bundling your trailer, auto, and home policies under one company.


    Looking for affordable motorhome insurance?

    Recreational vehicles that don’t need to be towed require a different type of insurance policy – visit our page on motorhome insurance to learn more about your coverage needs.

    learn more

    Frequently asked questions: trailer insurance

    Is a trailer covered by auto insurance?

    Yes and no – the third-party liability portion of your car insurance policy also extends to your trailer but only while it's being towed. That's why it's always a good idea to purchase a separate policy for your trailer as you wouldn't otherwise be covered for risks such as collision, theft, and severe weather.

    This also means your car's liability insurance won't apply to the trailer while it's parked or if it becomes unhitched. For instance, if your trailer detaches itself while you're on the highway, causing a car accident, your auto insurance company could potentially deny the claim.

    Do you need insurance for a camper trailer in Ontario?

    Insurance isn’t required for camper trailers (or any type of non-motorized trailer) in Ontario, but it’s highly recommended to purchase the right coverage anyways. You wouldn’t want to leave one of your biggest investments unprotected as one small mistake can turn into a huge financial loss – a trailer insurance policy is there to protect you from the unexpected.

    How do I get a travel trailer insurance online quote in Ontario?

    If you’re looking for a customized trailer insurance quote in Ontario, be sure to book a call with one of our licensed brokers today. We can guide you through the ins and outs of your trailer policy, so you’ll be equipped with peace of mind during your next family road trip.

    Matt Hands, Business Director of Insurance

    With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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    Compare travel trailer insurance quotes and save today | (2024)


    Who has the cheapest camper insurance? ›

    Nationwide, Progressive and Allstate are our top three picks for the cheapest RV insurance providers. The cheapest type of RV coverage is liability insurance, which is required for driveable RVs. RV insurance can be as cheap as $125 per year for basic coverage.

    What is the best RV insurance for full timers? ›

    The best RV insurance for full-timers is offered by Allstate due to their extensive coverage options and many discounts. Our best-rated RV insurance companies offer additional coverage like sound system, pet injury, vacation liability, and full-timer liability insurance.

    Is travel trailer insurance worth it? ›

    When considering purchasing a new travel trailer, it's important to remember the significance of insurance. Although it may not be mandatory for fiberglass trailers to be insured by state law, these trailers are valuable assets that can be expensive to repair or replace if damaged or stolen.

    What kind of insurance do you get for a travel trailer? ›

    Trailer-type RVs require another vehicle to tow them. Because you drive your motorhome like a car, you'll usually need to carry liability insurance that meets the state's minimums for auto insurance coverage. On the other hand, the towing vehicle's liability policy usually covers trailer-type RVs.

    Where is the best place to get RV insurance? ›

    Best RV Insurance Reviews
    • Best RV Insurance Agency: Good Sam. ...
    • Best RV Insurance Agency Runner-Up: ...
    • Best for Multiple Discounts: Nationwide. ...
    • Best for Full Replacement Cost Coverage: National General. ...
    • Best for Disappearing Deductibles: Progressive. ...
    • Best for Renting Out Your RV: Roamly.
    Apr 1, 2024

    How can I lower my RV insurance? ›

    Increase Your Deductible

    A higher deductible means you're willing to pay more out-of-pocket in the event of a claim. In return, your insurance premium could be lower. It's a trade-off worth considering, especially if you're a safe and cautious RV owner.

    Does AARP cover RV insurance? ›

    The AARP® Auto Insurance Program from The Hartford offers specialized protection for your RV, motorhome or trailer.

    Why is my camper insurance so high? ›

    Highly populated areas mean more risk for motor vehicle accidents, which increases your RV insurance cost. Regions prone to catastrophic weather and motor vehicle theft may also be more expensive for RV insurance.

    How much does RV insurance typically cost? ›

    The average cost of RV insurance is $1,500 a year, according to Trusted Choice, a group for independent insurance agents. Part-time RV insurance can cost as little as $200 per year while full-time RV insurance can cost as much as $3,000 per year. The cost of RV insurance varies.

    Do I need insurance on a travel trailer in California? ›

    The only time you don't need liability coverage for an RV is if it can't move under its own power – in other words, if it needs to be towed, like a pop-up or travel trailer. The liability coverage on the policy for the vehicle that tows the trailer would cover the trailer, too.

    Do you need collision insurance on a travel trailer? ›

    However, if you have a loan on your RV or if you lease it, your lender will typically require that you carry collision coverage. If you outright own your RV, having this coverage is optional.

    How does travel trailer insurance work? ›

    But unlike your regular auto insurance policy, travel trailer insurance often covers things like replacing items that were damaged or stolen from your trailer, as well as liability coverage specifically for damage to a campsite or another location where you've parked your trailer.

    What does full coverage insurance on a travel trailer cover? ›

    Standard RV coverages

    Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault.

    What does full coverage insurance on a camper cover? ›

    Comprehensive coverage protects your RV against events beyond your control: theft, vandalism, windshield damage, acts of nature, rocks and debris kicked up by other vehicles, and accidents with animals.

    Does RV insurance cover water damage? ›

    If you carry comprehensive coverage, which covers damage to your vehicle beyond your control, and your motorhome or travel trailer is damaged by water, your RV insurance policy may pay to repair or replace your RV, minus your deductible.

    What does insurance on a camper cover? ›

    Comprehensive coverage protects your RV against events beyond your control: theft, vandalism, windshield damage, acts of nature, rocks and debris kicked up by other vehicles, and accidents with animals.

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