Is a travel trailer covered under my auto insurance when towing?

Your auto insurance liability coverage typically extends to a trailer you are towing. However, physical damage to the trailer itself (collision and comprehensive) usually requires a separate trailer policy.

What is a park model trailer and how is it insured?

A park model is a factory-built unit that is semi-permanently sited in a campground or trailer park. Park models are typically insured more like seasonal recreational properties than towed trailers, and coverage requirements may differ from those of travel trailers.

Does trailer insurance cover the contents inside?

Contents coverage varies by policy. Some trailer policies include a basic contents limit; others require a separate endorsement. If you store valuable equipment, electronics, or camping gear in your trailer, discuss contents limits with Luca.

Am I covered if someone steals my trailer from a campground?

Comprehensive coverage on a trailer policy generally covers theft of the trailer itself. Coverage for contents inside the trailer depends on whether your policy includes a contents endorsement or whether your home policy extends to property away from home.

What if my trailer is stored all winter?

Trailers in winter storage are typically still covered for fire, theft, and vandalism under a comprehensive policy. Collision coverage is generally not relevant when the trailer is not being towed. Some insurers offer storage or lay-up endorsements that adjust the premium.

Travel trailers, fifth wheels, tent trailers, and park models.

Trailer Insurance

Ontario trailer insurance for travel trailers, fifth wheels, tent trailers, and park models with guidance from Luca.

Get a Free Quote Call 705-996-1116

Travel trailers, fifth wheels, tent trailers, and park models.

Key Facts

Coverage 1 Physical Damage Coverage

Coverage 2 Liability Coverage

Coverage 3 Contents Coverage

Broker Luca

Phone 705-996-1116

Coverage Overview

What Trailer Insurance Covers

Physical Damage Coverage

Covers your trailer for collision and comprehensive perils including fire, theft, hail, and vandalism.

Liability Coverage

Covers you for liability claims arising from the use of the trailer as a temporary residence.

Contents Coverage

Covers personal belongings stored inside the trailer.

Emergency Expenses

Covers accommodation and travel costs if your trailer is damaged and uninhabitable while away from home.

Park Model Coverage

Specialized coverage for park models and seasonal trailers permanently sited in trailer parks or campgrounds.

What Trailer Insurance Covers and Who Needs It

Trailer insurance covers the recreational units Ontario families tow and camp in — travel trailers, fifth wheels, tent trailers, and park models. While your auto insurance liability typically extends to a trailer you are towing, physical damage to the trailer itself, from collision or comprehensive perils like fire, theft, hail, and vandalism, usually requires a separate trailer policy. That is who needs this coverage: anyone whose trailer represents real value and who wants it protected in its own right rather than relying on an auto policy alone. Policies commonly add liability coverage for the trailer's use as a temporary residence, contents coverage for belongings inside, and emergency expense coverage for accommodation and travel if the trailer is damaged and uninhabitable while you are away from home.

Park Models and What Drives the Premium

A park model is a factory-built unit semi-permanently sited in a campground or trailer park, and it is typically insured more like a seasonal recreational property than a towed trailer, with its own coverage requirements. Premiums across trailer types reflect the unit's value and construction, whether it is towed or sited, and the contents you keep inside — some policies include a basic contents limit while others require an endorsement, which matters if you store valuable gear or electronics. For guidance on the numbers, see how much trailer insurance costs in Ontario.

Winter Storage and Getting a Quote

Trailers left in winter storage are typically still covered for fire, theft, and vandalism under a comprehensive policy, while collision coverage is generally not relevant when the trailer is not being towed. Some insurers offer storage or lay-up endorsements that adjust the premium for the off-season. Comprehensive coverage also generally responds if your trailer is stolen from a campground, though contents coverage depends on your endorsements. When you are ready, request a quote and Luca will match the policy to your trailer type and how you use it.

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.

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