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Trailer insurance

When it’s time to hook up your trailer and spend quality time with friends and family, be sure you get the protection you need in the way you want it. We make it simple for you to get the right coverage for your fifth wheel, park model, travel, Tent, camper, or truck trailer. Policies are also available for mobile homes used as your primary residence. A lot of the coverage’s available to you for your comprehensive homeowner’s policies are available on trailers as well.

Coverage Available

  • Bodily injury & property damage liability
  • Uninsured/unidentified motorists
  • Medical payments
  • Comprehensive & collision (market value, agreed value, replacement cost)
  • Protection for your personal property and detached private structures such as sheds and decks.
  • Guaranteed replacement cost – certain restrictions apply.
  • Sewer back-up coverage – available on park models and mobile homes.
  • Roadside assistance for motor homes
  • Liability coverage for your golf cart or e-bike at the trailer
  • Emergency vacation expense coverage.

What We Insure


These policies has been developed to provide coverage for Motor Homes and their owners.This policy is for self-propelled motorized vehicles designed exclusively for travel and used for pleasure purposes only.

Eligibility for this program is based upon the following:

  • All drivers must be licensed at least 8 years in Canada.
  • The Motor Home is used for pleasure purposes only.
  • The Motor Home must be insured for full value including all taxes.
  • A bill of sale is required where the insured is the original owner.
  • The vehicle is equipped with both cooking facilities and a washroom.

Fifth Wheel

A fifth-wheel trailer has the following characteristics:

  • Similar to the conventional model, but has a raised forward section above a fifth wheel coupling device, creating a unique bilevel dimension.
  • Ranges from 21 to 38 feet in length.
  • Using a truck to tow allows for trailer designs up to 38 feet in length.
  • Specially designed devices are generally mounted to pickup beds.
  • Built on a welded steel chassis.
  • Contains luxuries such as a large living area, all appliances, and bathing, cooking and sleeping facilities.

Pop-up Tent Trailer

A pop-up camper (also called a pop-up tent trailer) has the following characteristics:

  • Constructed with collapsible sidewalls that fold or slide down for easy towing by a light vehicle.
  • Typically less than 12 feet long; ranges from 15 to 23 feet (when opened).
  • Compact size allows for quick setup at destination.
  • Very basic with few luxuries.
  • Larger unit may contain a refrigerator, stove and/or furnace, and may sleep up to eight people.

Travel Trailer

A conventional trailer has the following characteristics:

  • Designed for vacation/camping use.
  • Ranges from 12 to 40 feet in length.
  • Towed by an automobile or truck with a bumper hitch.
  • Equipped with bathing, cooking and sleeping facilities.
  • May have additional options such as air conditioning and awnings.

Truck Trailer

A mounted truck camper has the following characteristics:

  • Designed as temporary vacation camping unit that is loaded onto a pickup truck bed.
  • Ranges from 18 to 21 feet in length.
  • Typically sleeps up to six people.
  • Compact size makes the truck camper versatile, manageable and convenient for local travel to and from campsite.
  • Easy, economical way for many first-timers to begin RVing.

Park Model or Mobile Home

Recreational Park Model Trailers are seasonal occupied, manufactured as a park model and are permanently parked. The chassis is not removed. They are usually no more than 50 feet in length, and fully skirted. They can have decks, porches, or additional rooms added to the structure. Include these additional structures in the value when rating.

Toy Hauler

A trailer with recreational cargo quarters has the following characteristics:

  • These are specific types of travel trailers or fifth-wheel trailers.
  • Must have a special compartment in the back to transport horses, ATVs, etc.


Motorhome Discounts

  • Monitored satellite tracking discount
  • Anti-theft discount
  • KOA Value Card discount
  • Group discount (Wayfarer)
  • Multi-line discount

Recreational Trailer Discounts

  • Claims free discount
  • Secure supervised RV park discount
  • Alarm discount
  • Multi-line discount

Park Model & Mobile Home Discounts

  • Burglar alarm discount
  • Fire alarm discount
  • Claims free discount
  • Double wide discount
  • Mature market discount
  • Multi-line discount
  • Mortgage free discount
  • Water alarm discount