Trailer and Mobile Homes
Looking to travel this summer and want to protect your investment?
Haldimand Insurance has multiple options to insure your Motorhome or Trailer.
Motorhomes require their own auto insurance policy, since they can be driven independently. The rate you pay will depend on the class, how much you use the motorhome and the value. Let one of our motorhome experts here at Haldimand Insurance help you find the proper motorhome insurance to protect you, your vehicle and the contents within.
Motorhomes are split into 3 typical categories:
- Class A Motorhomes – Can be typically the largest of the RV’s and the most expensive
- Class B Motorhomes – Often called Camper Vans, they are smaller than Class A and can be driven around like a vehicle
- Class C Motorhomes – Are moderate size in nature and have many of the amenities of the Class A
A travel trailer is not a motor vehicle and does not require its own auto insurance policy.
The liability insurance coverage from the towing vehicle is extended to the trailer while it is being towed.
Collision and comprehensive coverage that you would typically see on an auto policy are not extended to the trailer. This is why we recommend a specialized travel trailer package that serves as its own policy. Coverages often included in a trailer package are damages to the trailer itself, contents of your travel trailer, liability coverage and emergency vacation expenses.
The most common types of trailers that would fall into this category could be Travel Trailers, Tent Trailers, Truck Campers, toy hauler or fifth wheel.
Premiums in this category can vary greatly, as often the purchase price of Trailers and Motorhomes can vary from $1,000 to over $200,000.
Recreational vehicles are all unique. When it comes to insuring your motorhome or travel trailer, why not have a broker on your side, so you can enjoy all the benefits of travelling.