Get the protection your RV deserves. Explore the province confidently with tailored RV insurance designed for your adventurers.

When you hit the open road in your RV, you’re not just driving; you’re making memories. Whether it’s a weekend getaway or a cross-province adventure, your recreational vehicle is an investment in your lifestyle. That’s why RV insurance is more than just a legal requirement—it’s essential peace of mind.

At PetleyHare, we specialize in helping Ontario RV owners find the right insurance coverage to match their needs, usage, and budget.

RV Insurance in Ontario

RV insurance in Ontario is designed to cover more than just your vehicle—it protects your travel experience. From the winding roads of Muskoka to the campgrounds of the Kawarthas, your RV should be insured for the journey ahead.

Whether you own a motorhome, camper, or trailer, a standard auto policy often isn’t enough. You need coverage that reflects how you use your RV, whether that’s for seasonal travel, extended trips, or full-time living. That’s where recreational vehicle insurance in Ontario comes in.

Our Ontario-specific RV insurance solutions include:

  • Coverage for all RV classes, including motorhomes and trailers
  • Specialized protection for personal belongings and equipment

Roadside assistance for peace of mind on long trips

Recreational Vehicle Insurance Brokers

Working with an experienced recreational vehicle insurance broker means you’re not on your own. At PetleyHare, we help clients across Ontario find comprehensive and affordable recreational vehicle insurance that fits their lifestyle.

We take the time to learn about your RV type, how often you use it, and the level of protection you’re looking for. Then, we shop around on your behalf, comparing top-rated policies from leading providers in Canada.

Whether you're insuring a high-end motorhome or a compact camper trailer, we’re here to guide you with expert advice and personalized service. That's what makes us one of the most trusted names in Ontario's recreational vehicle insurance industry.

Visit our Oshawa office or our Port Perry location to speak with a local expert.

RV Coverage Highlights

Understanding your RV coverage options can help you choose a policy that’s right for your needs. Here’s a breakdown of common coverage types:

  1. Liability Coverage

    Assures financial safety in accidents, covering property damage and injuries. Feel confident as you embark on adventures, knowing you're financially protected.

  2. Comprehensive Coverage

    From theft to natural disasters, comprehensive coverage shields your RV. It's your safety net, ensuring you're covered no matter where your travels take you.

  3. Emergency Expenses

    In times of breakdowns or unforeseen emergencies, having accommodation and towing expenses handled ensures your adventure remains uninterrupted and stress-free.

  4. Personal Belongings

    Your RV is your home away from home, so protect your personal belongings inside it. From clothing to electronics, travel confidently, knowing your comforts and essentials are fully covered.

  5. Specialized Coverage

    Custom equipment, accessories, and more—optional coverages allow you to personalize your policy to meet your RV's needs. Fully protect your investment as you embark on your one-of-a-kind adventures.

We tailor each policy to make sure you’re never left unprepared.

RV Insurance Categories

There’s no one-size-fits-all policy. RVs come in many forms—and so should your insurance. Here’s what we cover:

RVs & Motorhomes

These come in three classes – A, B, and C. They're motorized and ideal for driving to your destinations.

Travel Trailers

Non-motorized options include fifth wheels, travel trailers, truck campers, and tent trailers.

Park Trailer Models

On the road during the initial move to an RV Park or rented pad location, serving as a recreational home.

Each category has different insurance needs. For example, camper trailer insurance may emphasize theft and weather protection, while motorhome insurance includes liability and collision coverage for driving on public roads.

Motorhome Insurance Classes

Whether you're looking for motorhome insurance in Ontario for a luxury rig or a compact camper, we’ve got you covered. Here's a quick guide:

Class A Motorhomes: Think of Class A motorhomes as luxury buses. They're the largest in the RV world, built on a specially designed chassis. Multiple slide-out sections expand living space, offering amenities like kitchens, bathrooms, entertainment centres, and centralized heating and air conditioning.

Class B Motorhomes: Often called camper vans or conversion vans, Class B motorhomes are engineering marvels. They're compact full-size vans with raised roofs, equipped with kitchens, washrooms, showers, and sleeping space for up to four people. Easy to drive, park, and fuel-efficient, they can even serve as a second vehicle.

Class C Motorhomes: Recognizable by their distinctive cab-over bunk, Class C motorhomes are favoured by RV adventurers. Built on a commercial cut-away van chassis, they offer all the amenities of any motorhome, ensuring one suits your preferences.

Trusted RV Camper Insurance in Ontario

We're not just insurance brokers – we're your travel companions. Our team understands the ins and outs of RV living and can offer expert advice to enhance your journey. We're committed to ensuring your insurance is as flexible as your travel plans.

Whether you're exploring the countryside or staying at a seasonal campground, we’ll help you find RV camper insurance that suits your needs. Ontario's diverse landscapes and scenic routes are calling your name. Trust us to find you the right protection, allowing you to embrace every twist and turn of your adventure.

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RV Insurance FAQs

Have questions about RV insurance? We’ve heard it all before. That’s why we’ve compiled a list of questions to help you better understand all the ins and outs.

Is RV insurance required?

Yes, RV insurance is required in Ontario if you drive your RV on public roads. The specific requirements vary by state or province, but liability coverage is commonly mandated.

What does RV insurance cover?

RV insurance typically covers liability, collision, comprehensive, and uninsured/underinsured motorist protection. It may also include personal belongings, emergency expenses, and roadside assistance.

How much does RV insurance cost, and what affects my premium?

The cost of RV insurance varies based on factors like:

  • Type and value of the RV
  • Intended usage (seasonal vs. full-time)
  • Driver’s history and experience
  • Coverage limits and deductibles

Your RV’s age, location, and safety features can also impact premiums. On average, it can range from a few hundred to over a thousand dollars annually.

Can I get coverage for my personal belongings in the RV?

Yes, most RV insurance policies cover personal belongings inside the RV. This coverage is crucial because it protects your valuables, such as clothing, electronics, and other personal items, in case of theft, damage, or loss. Knowing that your comforts and essentials are safeguarded during your travels provides peace of mind.

Do you offer specialized coverage for custom equipment and accessories?

Absolutely! RV enthusiasts often customize their vehicles with additional equipment and accessories like solar panels, awnings, or high-end appliances. Many insurance providers offer specialized coverage options to protect these custom additions. This ensures that your unique RV setup is fully covered in the event of damage or theft.

Get a quote today and hit the road with confidence. Your adventure deserves coverage that’s as flexible as your travel plans.

RV Coverage Insights