Trailer Insurance

Trailer insurance helps protect you whether you’re on the road or parked at your favourite campground. Whether you choose a standard policy or extended coverage, your camper insurance protects you from unforeseen costs related to collision, theft, vandalism, and inclement weather.

Trailer insurance differs from a standard car insurance policy. It protects you seasonally while your camper is in use. You may also opt for extended protection to follow your trailer year-round if you use it regularly.

What Does Camper Insurance Cover?

Camper insurance not only applies to travel trailers. It can be applied to multiple vehicle extensions, including:

• Horse trailers
• Campers
• Tent trailers
• Towed RVs
• Fifth-wheel trailers
• Toy haulers

Whether parked or in motion, your trailer is protected from a standard set of risks, such as:

• Fire
• Theft
• Vandalism
• Wind
• Lightning
• Explosion
• Falling Objects
• Liability

Unlike RV insurance which protects the entire unit of your camper, your trailer insurance is specific to the portion of your vehicle being towed. Your car, truck, or SUV requires automobile insurance, and is not protected under the umbrella of your travel trailer insurance policy.

Within the scope of your camper insurance, you can expect coverage to reach:

Trailer Unit Damage and Collision Protection

If your trailer is in a motor accident or damaged in one of the above ways, your camper unit is covered under trailer insurance damage and collision protection. This protection acts as a financial buffer for costs of repair or replacement.

Damage coverage includes the belongings inside your trailer, protecting your clothing, supplies, bedding, electronics, and other items you brought along for the ride. To ensure you get full value on your belongings, we recommend taking a detailed inventory of luggage and accessories before you hit the open road.

Emergency Travel

If your trailer breaks down, or is damaged and you can’t use it, emergency travel coverage helps pay for alternative travel or accommodation arrangements. Whether you require access to a rental trailer, or you need to stay in a hotel for a night while a mechanic examines yours, your camper insurance has you covered.

Road Service Protection

Road service protection through your travel trailer insurance policy gives you a helping hand in more ways than one. You have access to towing services, emergency gas delivery, and other support to get you back on the road.

Golf Cart

Golf cart coverage applies to accessories inside your trailer. If your trailer is more for transport than leisure, golf cart coverage helps pay for damage or loss to any recreational vehicles, or appliances you are travelling with.

Trailers can be used to transport all kinds of equipment. Golf cart coverage ensures you don’t pay out of pocket if this equipment goes missing or takes a hit.

Frozen Food Replacement

As part of your extended camper insurance coverage options, you can choose to include protection on food spoilage. Travel trailers often have working refrigerators and freezers. If a breakdown causes power to go and your food spoils, frozen food replacement coverage helps reimburse you for the wasted groceries.

Depending on your insurance provider, you may have access to a variety of additional policy extensions. Speak to your Ron Johnston Insurance broker about extra coverage today.