RV insurance in Canada depends on your province, the type of RV and how you use it. These insurers are good places to ask about coverage; most sell through brokers or agents. This page is general information, not insurance advice — confirm details with a licensed broker.
🛡️ Insurers to Ask
Co-operators
Insures travel trailers, motorhomes and other recreational vehicles, and offers bundling with home or auto policies. Co-operators is also the Canadian insurance partner of KOA.
Aviva Canada
Offers policies for motorhomes, towed trailers and stationary trailers through brokers, plus RV-sharing insurance for owners and renters using Outdoorsy.
Intact Insurance
One of Canada’s largest property and casualty insurers. Ask a broker about motorhome and trailer coverage in your province.
Desjardins Insurance
Quebec-based insurer with offices across Canada. Ask about recreational vehicle coverage.
Wawanesa Insurance
A Canadian mutual insurer. Ask about adding a trailer or motorhome to an existing policy.
📘 How RV Insurance Works in Canada
The basics
- Motorhomes are usually insured on an auto policy, with mandatory liability coverage set by your province.
- Towable trailers normally get liability coverage from the tow vehicle’s policy, but damage to the trailer itself (collision, theft, fire, hail) is usually insured separately.
- Seasonal or stationary trailers parked at a campground are often insured under a property-style policy.
- Public auto insurers. In British Columbia, Saskatchewan and Manitoba, basic auto insurance comes from a public insurer, with optional extra coverage from private insurers. In Quebec, the public plan covers bodily injury while vehicle damage is insured privately.
Questions to ask your broker
- Is the RV insured for agreed value or actual cash value, and how is replacement handled?
- Are contents and attached equipment (awnings, solar, satellite) covered, and up to what amount?
- How many days a year am I covered for travel in the United States?
- Are there rate changes or reduced coverage during winter storage?
- Does the policy cover full-time or extended living in the RV?
- What roadside assistance and towing is included for an RV?