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Camper Insurance Coverage Explained: What You Need to Know
- Apr 2
- 2 min read
Many people assume their vacation trailer/camper is covered under their home or auto insurance policy.
Camping season is here! As the weather warms up, more and more Canadians are getting their vacation trailers, campers, and RVs ready for adventure. But before you hit the road, there’s something you need to know: 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 that your auto policy would cover 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 that 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, you need proper coverage to make sure your adventures are stress-free.
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
Don’t Let Common Mistakes Leave You Unprotected!
Before you head out for your next trip, make sure your investment is fully protected. 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
📞 Tel: 705-INS-URAN ext: 105📱
Cell: 705-288-0908
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.
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