Motor Home & RV Insurance Ontario

Did you know that motor homes have different insurance needs than fifth wheel trailers and small travel trailers? Tow-behind travel trailers vary a lot, from large semi-permanent parked models to smaller mobile tent trailers that can be towed to wherever your adventures take you.

There are many different types of RVs and motor homes on the road these days and at Huronia Insurance in Ontario, we can help you find the right RV insurance for your needs.

Travel trailer and RV insurance costs can vary greatly. Be sure to check with your Ontario insurance broker before buy RV insurance. Make sure that you get RV insurance for your motor home’s rating so that you are adequately covered.

Three Basic Categories of RV Insurance Coverage

  1. Travel Trailers – These are non-motorized and include fifth wheels, travel trailers, truck campers, and tent trailers.
  2. Park Trailer Models – These are only on the road during the initial move to the RV Park or other rented pad location and are used only as a recreational home.
  3. RVs & Motor Homes – These are classified as A, B, and C. They are the motorized recreational vehicles that can be driven to your intended destinations.

What Kind of Recreational Vehicle Insurance Do I Need?


Recreational vehicles that have an engine require the same accident benefit protection and liability protection as a car when they are travelling on the road. However, when they are in a campground, liability, theft and other insurance protection is beneficial. Motorhome insurance coverage often offers replacement value of the Motor Home, not just the actual (current) value. There can also be roadside assistance included in the policy, depending on the company with which your policy is written.

NOTE: If you live out of your motor home, you may also require personal property insurance.


Because they do not have a motor, travel trailers and fifth wheel trailers do not require their own insurance policy. They are covered by your automobile liability policy. However, that does not mean they receive the same collision or comprehensive benefits of your vehicle coverage, or even liability coverage when the trailer is parked. To ensure you are covered for these potentialities, special travel trailer insurance is required.

About Huronia Insurance Group

Huronia Insurance Group is located in Barrie Ontario. We have been servicing Southern Ontario residents for over 22 years, primarily in Barrie and the Greater Toronto area. We can help you with your personal, auto, business, and home insurance needs. If you bring along a motorcycle, scooter or trail bike when you travel in your motorhome, ask us about motorcycle insurance.

For more in-depth information about recreational vehicle insurance, or to inquire about travel trailer insurance, please fill out our online contact form or send us an email.

You can also call our Ontario insurance brokers by phone:

Toll-FREE: 1-866-955-8386

Contact Huronia Insurance
Offering 199 Years of Combined Experience
Call 1-866-955-8386 OR