RV and Camper Insurance for Summer Road Trips | Merit Insurance Brokers Inc., Toronto, Waterdown, Ontario, Canada

RV and Camper Insurance for Summer Road Trips

At Merit Insurance, we understand the excitement that comes with hitting the road in your RV or camper. Whether you’re parking beside a quiet lake, exploring the Rockies, or road-tripping across provinces, your RV isn’t just a vehicle; it’s your summer home.

Why RV and Camper Insurance Is Important

Many RV owners assume their trailer or motorhome is covered under their home or auto policy. In reality, those policies often fall short, especially when it comes to damage, liability, or protection for personal belongings.

Dedicated RV insurance can provide coverage for:

  • Physical damage – Accidents, fire, storms, vandalism, and more
  • Liability – In case someone is injured in or around your unit
  • Theft or damage to contents – Including electronics, tools, and camping gear
  • Emergency expenses – Hotel or travel costs if your RV becomes unusable far from home

If your RV is financed or leased, full coverage is typically required.

Tailored to Your Type of RV and Camper

Different RVs need different types of insurance. We’ll help you choose what’s right:

  • Motorhomes (Class A, B, or C): These self-powered units require their policy, similar to auto insurance.
  • Travel trailers, fifth-wheels, and pop-ups: These are towable and may be added to your auto policy, but a separate policy offers more complete protection.

If you’ve invested time and money in your RV, it makes sense to ensure it’s adequately insured.

Seasonal Use? We’ve Got You Covered

Most RVs in Canada are used seasonally. That’s why we offer flexible insurance options that reflect how and when you use your camper.

Some plans even include storage protection, covering theft, vandalism, and weather-related damage while your unit is parked for the off-season.

Optional Add-Ons for Extra Coverage

Depending on your travel plans, we can help you customize your policy with:

  • Roadside assistance
  • Protection for attached accessories – like awnings, bike racks, and solar panels
  • Coverage for rental income – if you rent out your RV occasionally

Let’s Get You Road-Trip Ready

Before you hit the road this summer, make sure your RV or camper is insured for whatever the journey brings. At Merit Insurance, we’ll walk you through your options, explain what’s covered, and help you travel with confidence.

Reach out to us today to learn more about RV and camper insurance and get ready for a smooth, worry-free summer adventure.