Is an RV insured the same way as a car?

No. RVs require specialized coverage that combines elements of auto insurance (for when it's being driven) and property insurance (for when it's parked or used as accommodation). A standard auto policy does not adequately cover a motorhome.

What if I only use my RV seasonally?

Many Ontario RV owners use their vehicles seasonally. Some insurers offer lay-up periods during winter storage when the vehicle is not being driven, which can reduce premiums. Coverage for fire, theft, and other perils typically remains in place during storage.

Does my RV insurance cover me in the US?

Most Ontario RV policies extend to the continental United States for a specified period (commonly up to 180 days per year). Verify the exact terms with your insurer before any US trip.

What is the difference between Class A, B, and C RV insurance?

Class A (large motorcoaches), Class B (camper vans), and Class C (cab-over motorhomes) all fall under motorhome coverage but have different replacement values and risk profiles. Premiums and coverage options vary by class and the age of the vehicle.

Are campsite hookups and awnings covered?

Coverage for awnings, slide-outs, and hookup equipment varies by policy. Some policies include these as part of the RV structure; others require specific endorsements. Ask Luca to review the details of your specific vehicle and intended use.

Motorhomes, Class A, B, and C RVs for Ontario adventurers.

RV Insurance

Ontario RV and motorhome coverage for Class A, B, and C vehicles, arranged by RIBO broker Luca.

Get a Free Quote Call 705-996-1116

Motorhomes, Class A, B, and C RVs for Ontario adventurers.

Key Facts

Coverage 1 Collision Coverage

Coverage 2 Comprehensive Coverage

Coverage 3 Liability Coverage

Broker Luca

Phone 705-996-1116

Coverage Overview

What RV Insurance Covers

Collision Coverage

Covers damage to your RV resulting from a collision with another vehicle or object.

Comprehensive Coverage

Covers non-collision damage including fire, theft, vandalism, hail, and animal strike.

Liability Coverage

Covers bodily injury and property damage you cause to others while operating the RV.

Contents Coverage

Covers personal belongings, clothing, electronics, and equipment inside the RV.

Full-Timer Coverage

For RVers who use their vehicle as a primary residence — provides home-like liability and contents protection.

What RV Insurance Covers and Who Needs It

RV insurance is specialized coverage for motorhomes — Class A motorcoaches, Class B camper vans, and Class C cab-over units. It combines elements of auto insurance for when the RV is being driven with property insurance for when it is parked or lived in, which is why a standard auto policy does not adequately cover a motorhome. A policy typically includes collision coverage for damage from an accident, comprehensive coverage for fire, theft, vandalism, hail, and animal strikes, liability coverage for injury or property damage you cause to others, and contents coverage for the belongings and equipment inside. RVers who use their vehicle as a primary residence can add full-timer coverage, which provides home-like liability and contents protection. Anyone touring Ontario or beyond in a motorhome needs coverage built for both roles the vehicle plays.

What Drives the Premium

RV premiums reflect the class and age of the vehicle, its replacement value and risk profile, your driving record, and how and where you travel. Class A, B, and C units carry different replacement values, so coverage options and cost vary by class. Optional add-ons for awnings, slide-outs, and hookup equipment also factor in, since some policies include these as part of the RV structure and others require specific endorsements. For a breakdown of what to expect, see how much RV insurance costs in Ontario.

Seasonal Use, US Travel, and Getting a Quote

Many Ontario RV owners use their vehicles seasonally, and some insurers offer lay-up periods during winter storage that can reduce the premium while coverage for fire, theft, and other perils stays in place. Most Ontario RV policies also extend to the continental United States for a set period — commonly up to 180 days per year — so verify the exact terms before a US trip. When you are planning your season, request a quote and Luca will review your vehicle class, intended use, and travel plans and compare options across insurers.

Coverage is subject to policy terms, conditions, and insurer availability. InsureMyCottage.ca is a licensed insurance brokerage regulated by RIBO (Registered Insurance Brokers of Ontario).

Last updated February 26, 2026

Why Luca

Why Cottage Owners Choose Luca

Cottage insurance is more complex than home insurance. Water access, seasonal use, neighbouring fire hall distance — every detail affects your coverage and your premium.

Local Ontario Broker

Luca knows Muskoka, the Kawarthas, and Georgian Bay cottage country firsthand. Not a call centre.

RIBO Registered

Licensed and regulated by the Registered Insurance Brokers of Ontario. Your coverage is handled by a credentialed professional, not a lead aggregator.

Multiple Insurers

As an independent broker, Luca shops multiple Ontario insurers to find coverage that fits your property — not just the first available policy.

Direct Access to Luca

Call or email and reach Luca — not a queue. Cottage insurance has real nuances (island access, wood stoves, rental weeks) and deserves a real conversation.

RV & Trailers

Ontario RV Insurance: $200K Minimum Liability Explained

Ontario motorhomes need at least $200,000 in liability by law, but most owners carry $1 million or more. See mandatory vs. optional RV coverage explained.

Trailer vs. RV Insurance: Your Auto Policy Won't Cover This

Your tow vehicle's auto insurance won't cover trailer damage, contents, or liability when parked. See why travel trailers need their own Ontario policy.

FAQ

RV Insurance - FAQ

Talk To Luca Directly

Talk to Luca Directly

Have questions about your cottage, watercraft, or seasonal property coverage? Luca answers his own phone.

Call Luca: 705-996-1116 Or request a quote online →

Quote Request

Get an RV Insurance Quote

Luca will get back to you within one business day.