Motorhome Insurance That’s Right for You

It doesn’t matter if you drive a motorhome, classic camper van, camper trailer, or travel trailer. Our Allstate agents understand your RV insurance needs.  They will work with you to help you get the protection you need at the rates you can afford.

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Mandatory Motorhome Insurance Coverage

Each province requires a certain level of recreational vehicle insurance coverage.

Liability
Protects you if you are in an accident and you are held liable for the injury or death of other people. It also covers the cost of damage to their vehicle or property.

Accident Benefits
Covers medical bills, rehabilitation, funeral costs, and loss of income due to disability (not applicable in Quebec).

Direct Compensations Property Damage
Covers the cost of damage to your RV and certain property in it, when you are in an accident with another motorist insured in your province who is found liable for the accident (Ontario, New Brunswick, and Nova Scotia).

Types of optional coverages

Collision or Upset
Covers the cost of repair and replacement of your motorhome if you have a collision with another vehicle or object such as a tree or guardrail. Covers actual cost, less deductible.

Comprehensive
Covers windshield damage or damage to your recreational vehicle due to theft, vandalism, fire, falling objects, lightning, explosion, or impact with an animal.

Specified Perils
Covers damage to your motorhome caused by a fixed list of perils. This includes fire and lightning, theft or attempted theft, windstorms, earthquake, hail, explosion, riot or civil unrest, falling or forced landing aircraft or aircraft parts.

Other coverage options

Contents
Insures the contents of your RV such as household items and electronics (not available in Quebec).

Guaranteed Replacement
Covers the cost of replacement of your new motorhome in the event of a loss. This only applies if your vehicle is less than 36-months-old (not applicable in Quebec).

Alternative Transportation
Covers the cost of a rental unit if your RV is being repaired as a result of damage.

Family Protection
Provides extra benefits if you or your family members are injured or killed in an accident caused by a motorist that is not insured (not applicable in Quebec).

Save more on your insurance cost, check out our:

“Take Two” ® Advantage
Combine your property and recreational vehicle insurance with Allstate and you could save on both policies.

Find out about our other discounts.

 

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