5 Essential RV Insurance Tips for Ontario Adventures

Ontario summers are a time for lakeside BBQs, epic road trips, and outdoor adventures! Whether you’re planning to roam through the stunning landscape of Muskoka or cruise along the shores of the Great Lakes, one thing’s for sure: you deserve a stress-free vacation. Before you hit the road, make sure you’re covered from bumper to bumper with the right RV Insurance.

The PetleyHare team has prepared some great tips and tricks for setting up camp wherever the road takes you. 

1. The RV Insurance Roadmap: What’s Covered?

Think of RV insurance as your trusty GPS, guiding you through the twists and turns of your journey with confidence. There are many different types of coverage to consider when it comes to your home on wheels.

Liability & Collison Coverage: Whether you’re navigating a tight campsite or experiencing a minor fender bender, liability and collision coverage have your back.

Comprehensive Coverage: This policy protects against damage from non-collision events, such as rogue tree branches and unexpected wildlife encounters, ensuring you're prepared for any surprises that come your way, no matter the reason or season.

Personal Property Coverage: You've spent a lot of time packing your RV with everything you need for the trip, including camping gear, gadgets, and lake toys. Now you can relax and know that personal property coverage will help replace these items if they're damaged or stolen.

2. Before You Hit the Road: Pre-Trip Checklist

Before you embark on your adventure, give your RV some TLC with this pre-trip checklist:

Review Your Policy: Double-check your RV insurance policy to make sure you’re protected for every activity you’ve planned. If you’re heading to a remote area, confirm that you’re covered for roadside assistance and other remote services.

Inspect Your RV: Give your RV a thorough inspection. Check the tires, brakes, and fluids. Make sure your lights and signals are working. Expected the unexpected, whenever possible!

Pack Smart: Ensure all your gear is secured and organized. Tuck a first aid kit and relevant tools for minor repairs – for family members and the RV! Don’t forget a list of emergency numbers like your PetleyHare broker or insurance company, just in case.

3. Safe and Sound: Tips for a Smooth Ride

Drive with Care: Your RV is larger and heavier than your regular car, so take it slow and steady. Keep an eye out for low bridges and narrow roads.

Be Prepared for the Weather: Ontario weather can be unpredictable. Pack for all conditions and ensure your RV is weather-proofed. A little prep goes a long way in keeping your trip worry-free.

Follow Local Regulations: Different campsites and municipalities have their own rules. Check local regulations regarding campfires, waste disposal, and parking.

RV at the side of the road

4. In Case of Emergency: What to Do

Should you find yourself in a tough spot, whether it be a vehicle breakdown or accident, here’s what to do:

  • Stay Calm: Take a moment to assess the situation and get help from family or friends.
  • Contact Your PetleyHare Broker: If something goes awry, PetleyHare is here to help. Give us a call for a calm, personalized approach to guide you through the claims process and provide support.
  • Document Everything: Take photos and notes of any damage or issues. This will come in handy when filing a claim.

5. Enjoy the Ride and Let the Good Times Roll!

Whether you’re heading to a cozy campsite or exploring the great outdoors, the team at PetleyHare wants you to focus on what matters most – making memories!

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