Motorhome Insurance

The Open Road

Having a Motorhome can be extremely exciting, offering adventures wherever the road may take you.  It is a great way to spend your vacation, allowing you to experience many different sights without being burdened with a troublesome suitcase.  It truly is freedom of the open road.  Let us help you make the right choices to properly protect your motorhome, so you can enjoy a relaxing insurance without any worry.  

What Does Motorhome Insurance Cover?

Pays for injury, death and damages you may be responsible for as the result of a car accident.  It also pays for defense costs associated with the accident.  

This coverage extends your policy to make sure you are insured even if the other driver does not have insurance.  

Pays for your car to be fixed when you are not at fault in a car accident.  Will also pay for your rental vehicle while your vehicle is being repaired.

Accident Benefits are also known as no fault insurance.  It is important to look at the limits and conditions, which are set by the government.  Generally it pays for a portion of your income if you are unable to work, for medical expenses not covered by OHIP, Funeral Expenses, Housekeeping Expenses and provides for help around the house if you are unable to do your daily chores.  This is one of the most important parts of your policy, which means it is extremely important you understand what is covered, and if you have enough coverage.  Our brokers are more than happy to explain your options.

Some Additional Things to Consider

 In your car you may have a few things such as a change of clothes, an extra pair of shoes, an umbrella and coat.  In your motor home, you will have all the above plus enough to live for potentially a month or more away from home.  Depending on the company, most motor home policies allow for a certain limit for contents of a motor home – but it is always best to check with us.  

Many companies offer Replacement Cost for new motor homes.  This would give you the amount you paid for the motor home back or the cost to replace it with a similar one.  

Motor Homes and Travel Trailers are insured quite differently.  Motor homes carry their own liability and placed on an auto policy, where travel trailers can go on either a property policy or an auto policy.  Please ask us to further explain the differences.

Let one of our experienced brokers guide you through motor home insurance.  We balance the needs of every individual and understand everyone has different priorities.  Call today to let us help you 905-623-4406.