What Are the Benefits of RV Trailer Insurance?

By: South Thompson Motors & RV   |   12 Mar 2024

Buying a new travel trailer is truly an exciting experience. There’s nothing like stepping inside your dream RV and envisioning all the adventures to come as you embark on a journey along the open road. But once you’ve found the right trailer that suits your needs, you’ll need to ensure you’ve done your due diligence in protecting such a hefty investment. RV insurance exists to do just that. Much like any other auto insurance, RV insurance not only protects you if you cause damage to others, including auto repairs and injuries but also covers physical damage to the trailer, whether sudden or accidental. And while the Government of BC mandates that any RV must be registered and insured by law, the minimum RV insurance typically isn't adequate to fully protect you in the event of an accident or if your RV is stolen.

If you’re thinking of buying a new trailer and are considering what kind of RV insurance coverage to look into, the team at South Thompson RV is here to help! In this blog post, we’ll discuss the many benefits of RV trailer insurance, the types of coverage you can expect, and the peace of mind it can provide you as you set off on your next journey!

  1. Property Protection: RV insurance covers the cost of repairs or replacement if your vehicle is damaged due to accidents, collisions, fire, vandalism, or theft. This coverage extends to both the interior and exterior components of your RV, including furnishings, appliances, and personal belongings.

  2. Liability Coverage: Liability coverage is crucial for protecting you financially if you're found responsible for causing injuries or property damage to others while operating your RV. This coverage includes medical expenses, legal fees, and property repair or replacement costs for third parties.

  3. Comprehensive Coverage: Comprehensive coverage protects against non-collision incidents, such as theft, vandalism, fire, natural disasters, falling objects, and animal collisions. This coverage ensures that your RV is protected from a wide range of potential risks.

  4. Collision Coverage: Collision coverage pays for repairs to your RV if it's damaged in a collision with another vehicle or object, regardless of fault. This coverage is especially important for covering the costs of repairs or replacement if your RV is involved in an accident.

  5. Uninsured/Underinsured Motorist Coverage: This coverage protects you if you're involved in an accident with a driver who doesn't have insurance or doesn't have enough insurance to cover your damages. Uninsured/underinsured motorist coverage helps cover your medical expenses, lost wages, and vehicle repairs.

  6. Emergency Assistance: Many RV insurance policies include emergency assistance benefits, such as towing and roadside assistance. These services can help you get back on the road quickly if your RV breaks down, runs out of fuel, or gets stuck.

  7. Full-Time RV Coverage: If you live in your RV full-time, you may need specialized coverage, including personal liability protection and your belongings. Full-time RV insurance policies offer comprehensive protection tailored to the unique needs of full-time RVers.

  8. Peace of Mind: Perhaps the most significant benefit of RV insurance is the peace of mind it provides. Knowing that you're financially protected against unforeseen events and liabilities allows you to enjoy your RV adventures with confidence and security.

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RV Insurance FAQs

Do I need RV trailer insurance?

While some provinces and states may vary, here in British Columbia, it's mandatory that your recreational vehicle is insured. But while the minimum RV insurance can ensure that you’ve met government requirements, it likely won’t be adequate to fully protect you in the event of an accident or collision or if your RV is stolen.

How much is RV trailer insurance?

The cost of your RV insurance will vary greatly and depend on your coverage level. Here at South Thompson RV, we offer three tiers of RV coverage: Full replacement insurance that gets you a same-or-better version if something happens to your unit, replacement insurance that gets you the present value of your trailer (depreciation included) in cash, or insurance for an amount that will cover you up to a certain amount in the event of an accident. 

Does RV insurance cover travel trailer roof replacement?

Yes and no. If the roof is damaged from an accident or severe weather and begins to leak, you may be covered if you can prove the leak results from the incident. However, a leak that develops after an accident that didn't cause obvious roof damage may require more proof to get coverage.

Get Affordable RV Trailer Insurance at South Thompson RV

If you’re looking for trustworthy and affordable RV trailer insurance coverage, look no further than South Thompson RV! Our RV dealership in Kamloops, BC, can help you find the right insurance package for your needs and RV adventure. Browse our inventory of RVs online and contact us to get an insurance quote today!

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