Travel Trailer Insurance Ontario
Coverage Uniquely Designed for Travel Trailer Insurance Ontario
Travel Trailer Insurance Ontario
Travel Trailer Insurance Ontario
With over 20 years of insurance experience, the team at Bevan Insurance has worked closely with travel trailer owners throughout the province of Ontario to provide them with high-quality insurance solutions that protect their interests and assets against collisions and other damages that may occur. We understand that all travel trailer owners are unique, which is why our insurance specialists are committed to crafting travel trailer insurance in Ontario that reflects the individual interests of each client.
Are you ready to hit the open road? Get a free quote for quality travel trailer insurance in Ontario with Bevan Insurance today.
Travel Trailer Protection with Bevan Insurance
Bevan Insurance prides itself on offering customizable insurance policies for travel trailer owners throughout the province of Ontario. Are you unsure if you have a travel trailer or RV? Here is a closer look at who qualifies under our travel trailer policies:
Travel Trailers
Extending between 20 to 40 feet, travel trailers are popular towable recreational vehicles that can comfortably sleep up to ten people. These trailers usually include sleep areas, a bathroom, and a changeable kitchen.
Pop-up Campers
Pop-up campers are a hybrid recreational vehicle. These travel trailers commonly feature a small toilet and bathroom, kitchen area, and storage. Although it has hard shell siding, pop-up campers can also feature convertible tent sections that unfold to provide additional sleeping areas. These can sleep up to seven people at a time.
Tiny Travel Trailers
Known as a smaller version of a traditional travel trailer, tiny travel trailers can sleep up to two people and feature a comfortable sleeping space, wet bath, and small kitchenette.
Toy Haulers
Toy haulers are a type of travel trailer featuring a garage on the tail end of the trailer to store ATVs and other recreational toys. These can comfortably sleep up to seven people at a time and also come equipped with smaller living spaces, bedrooms, and kitchens.
Truck Campers
To travel from one destination to the next, this recreational vehicle connects to the bed of a pickup truck. Truck campers commonly have a sleeping area, small kitchen, and toilet with space for four people. These can also feature an overhead bungalow that typically sits over the top of the towing vehicle.
Fifth Wheels
Known as the largest towable vehicle available on the market, fifth wheels can comfortably sleep up to eight people at a time. These types of travel trailers feature numerous amenities. This includes slide-outs, sleeping quarters, kitchens, storage, patio extensions, etc.
Why Choose Bevan Insurance
With a team of leading insurance specialists who each have over 20 years of experience working in the insurance industry, we’ve worked with thousands of travel trailer owners throughout the province of Ontario. Our goal is to put the needs of our customers at the forefront of our success, which is why we go above and beyond each day to ensure your needs are accommodated.
At Bevan Insurance, travel trailer owners won’t have to worry about sacrificing protection to fit their budget. Based on your guidelines, our team of specialists will search through several high-quality insurance specialists to craft a policy plan that allows you to live and travel comfortably all year long.
Travel Trailer Insurance FAQs
Are you looking for comprehensive insurance solutions for your travel trailer? Take a look at some of the most frequently asked questions we receive as a leading insurance firm regarding travel trailer insurance in Ontario before getting a free insurance quote and speaking to a representative from Bevan Insurance for more information.
Will this coverage protect my trailer from any malfunction or breakdown?
Roadside assistance is a standard insurance policy many vehicle owners choose to purchase as it provides numerous benefits in cases of emergencies, including coverage of all expenses when you experience a flat tire, battery malfunction, electrical breakdown, or mechanical breakdown. These insurance policies also include covering the cost of towing to the nearest auto mechanic location and all repair costs.
However, the same insurance benefits can also extend to travel trailers as an additional coverage policy. Like with auto insurance plans, travel trailer owners will need to add on this protection as a secondary feature to their insurance portfolio. This is because basic insurance policies only include liability insurance and comprehensive insurance.
Nonetheless, if roadside assistance insurance is something that you wish to purchase as a part of your travel trailer insurance, then the professional insurance specialists at Bevan Insurance are here to help. We’ll help find an insurance policy for roadside assistance that provides you with the peace of mind knowing that you are covered in the event your travel trailer should suffer a breakdown or any other type of damage when you are on the road. With access to numerous high-quality insurance companies, we’ll provide you with unbiased suggestions that will help you get the most coverage options while staying within the constraints of your budget.
Is my auto insurance policy sufficient to cover my trailer?
Travel trailer owners should keep in mind that liability insurance and comprehensive insurance coverage will only provide them with coverage when the trailer is attached to its towing vehicle and in motion. Therefore, when you are parked at your destination, have your travel trailer in storage, or your trailer is detached from its towing vehicle, you will not have insurance coverage.
For this reason, you may wish to purchase additional insurance policies, including content coverage, policy protections for rodent damage, or campsite coverage. This will provide you, your trailer, and your belongings with protection when you are staying at your destination or living in your travel trailer for an extended period of time.
Regardless of what your current auto insurance may offer your travel trailer, you can rest assured knowing that when you’re working with Bevan Insurance, we’ll make sure that you find the perfect insurance policy for your trailer that works for your needs. That way, you can confidently head from destination to destination without having to worry if you are protected in the event of an accident or other covered insurance claim.
What are the various types of travel trailers insurance available?
Before getting on your next adventure, it’s essential that travel trailer owners speak with their auto insurance broker to confirm whether or not their recreational vehicle has extended coverage when on the road.
On the other hand, should your auto insurance policy extend to your travel trailer when it is in motion; it will not provide coverage while you are parked or when the trailer itself is detached from its towing vehicle. Additionally, should your auto insurance extend to your travel trailer, it will not cover the contents found within your travel trailer.
Therefore, to ensure your travel trailer and your belongings are comprehensively protected at all times, you may wish to consider purchasing the following travel trailer insurance in Ontario. Remember, it is best to confirm whether your auto insurance extends to your travel trailer before buying insurance to avoid paying double. Then, with the help of the insurance specialists at Bevan Insurance, we’ll help you craft an insurance portfolio with additional coverage options to ensure your policy protects you at all times.
Here is how the professional insurance team at Bevan Insurance is prepared to help you:
Liability Coverage
Liability insurance coverage provides travel trailer owners with protection in the event they are involved in a collision where they are held accountable for the injury or death of a third party. This insurance policy will cover any and all expenses for damages, medical bills, funeral costs, and legal fees that may arise should a civil or criminal lawsuit be filed against them.
Collision Coverage
Collision insurance coverage provides protection to your travel trailer, including the contents stored within your travel trailer in the event of a collision, no matter who is deemed responsible. Collision insurance will also cover the cost of repairs for your travel trailer’s amenities and its structure. However, to redeem this policy, travel trailer owners will need to pay their pre-agreed upon deductible amount with coverage up to their policy maximum limit.
Comprehensive Coverage
Comprehensive coverage provides your travel trailer with protection against natural disasters, vandalism, and theft. Clients will also be required to pay a deductible for complete coverage.
Additional Travel Trailer Insurance Coverage
Beyond these fundamental travel trailer insurance policies, you are also able to purchase additional policy features that will provide you with further coverage when you are traveling between destinations. Here is a closer look at these additional policy features Bevan Insurance can help you customize to your unique needs.
Roadside Assistance Coverage
Roadside assistance coverage provides travel trailer covers with coverage should you experience a flat tire, battery malfunction, and electrical and mechanical breakdowns that require towing and repair costs.
Contents Coverage
Contents coverage protects your belongings stored within your travel trailer from damage, vandalism, and theft.
Uninsured Coverage
In the event that you are in a collision you are found not at fault for, this insurance policy will provide you with coverage if the third-party driver responsible for the collision is uninsured.
Total Loss Replacement Coverage
In the event your travel trailer is damaged beyond repair in an insured total loss insurance claim, this policy will replace your travel trailer with a similar vehicle or a cash value of your trailer based on the current depreciated value of your trailer before the total loss.
Rodent Damage Coverage
Protect your travel trailer against damage caused by rodents with this insurance policy addition.
Campsite Liability Coverage
Campsite liability coverage provides you with protection when you are parked at your destination or when you are living in your travel trailer for an extended period of time.
Water Damage Coverage
Water damage insurance coverage provides protection to your travel trailer should it suffer water damage that is caused by sewage back-ups and/or overland water.
Whatever insurance policies you may need, the team at Bevan Insurance can help you craft an insurance policy that fits your needs and expectations. With our guidance and expertise, Bevan Insurance specialists have access to numerous high-quality insurance companies that will allow us to pick and choose the best insurance policy for you. With no obligations to a single company, when travel trailer owners choose to partner with us, they can rest assured knowing that every suggestion offered is unbiased and meant to protect your best interests.
If I live in my trailer, will this be considered home insurance or trailer insurance?
However, if you live in your trailer full time, on a property, or at a location that does not have a secondary residence or home that is covered by homeowners’ insurance, you may wish to purchase part-time or full-time travel trailer insurance.
Full-time trailer insurance is a form of optional insurance coverage that provides travel trailer owners with protection if they live in their travel trailer for more than six months out of the year. With this type of insurance coverage, full-time residents in their travel trailer will receive the following coverage:
Personal Liability Coverage
Personal liability coverage will provide you with protection against property damage you cause to a third-party property due to an accident when you are parked.
Medical Liability Coverage
Medical liability coverage will cover all medical expenses for third parties who experience bodily harm while they are near or in your parked travel trailer. This coverage includes medical expenses, funeral costs, and legal expenses if a lawsuit should be filed against you.
Contents Liability Coverage
Contents coverage protects your belongings stored within your travel trailer from damage, vandalism, and theft.
Travel trailer owners should know that, similar to homeowners insurance; they are not required by law to purchase full-time travel trailer insurance. However, without it, you put your travel trailer at risk of suffering damage that will not be covered. As a result, you may end up having to pay hundreds to thousands of dollars in repairs and losses on belongings. Furthermore, without proper full-time travel trailer insurance, you can also be held accountable for third-party injuries and damages to third-party property damage that can lead to expensive lawsuits that can ruin your assets and put your interests at risk.
On the other hand, you may also wish to purchase insurance policies that provide you with protection when you are traveling with your trailer between destinations, which is something we can discuss in more detail when you speak with one of our expert insurance specialists.
Therefore, if you are considering living full-time in your travel trailer, the team at Bevan Insurance can help you craft a full-time insurance policy that allows you to live comfortably and confidently wherever your destination may be. Our insurance specialists have the tools and industry expertise to ensure your needs are met at every step of the process.
Partner with Bevan Insurance Today
When travel trailer owners partner with the insurance specialists at Bevan Insurance, they can have peace of mind knowing that their best interests and assets are in good hands. Each day, we strive to provide customers with solutions they can feel confident in. No matter what your needs and expectations are for your insurance policy, we promise to do our best to accommodate you so you never feel like you need to sacrifice your interests or assets.
Are you ready for your next adventure? Book a free quote with Bevan Insurance today for travel trailer insurance in Ontario today.
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