RV and Motorhome Insurance in Canada: Coverage, Options & What to Know

Updated: 2026-04-13

More Canadians are embracing life on the open road, seeking the freedom, flexibility, and unforgettable memories that recreational vehicles (RVs) travel offers. Whether you're touring coastlines, exploring forest routes, or headed for a campground, the right insurance helps protect your RV and the lifestyle that comes with it. 

In this article, RVs refer to both driven (like motorhomes) and towable recreational vehicles. While they're all designed for adventure, their insurance needs can be quite different. We're here to help you understand the essentials so you can travel with confidence, knowing your coverage matches the way you use your RV.  

RVs are unique – they combine the mobility of a vehicle with the comfort of a home.  You might be bringing personal belongings, using appliances, or hosting family and friends.

Insurance helps protect you financially if:

• You're involved in a collision
• It's damaged, stolen, or vandalized
• Someone is injured in or around your RV
• Your trip is disrupted by an unexpected event

Good coverage isn't just about meeting legal requirements; it's about reducing stress when the unexpected happens.

Before choosing insurance coverage, it helps to understand the type of RV you own, and how you use it.

Different RVs come with different risks, repair costs, and insurance needs. How your RV is classified can affect the type of coverage that applies.

• Motorhomes (Class A, B, or C): Drivable RVs that are used as both transportation and living space. 
  • Class A models are the largest bus-style RVs designed for extended travel and full-time amenities.
  • Class B motorhomes are often called camper vans and are the most compact and easiest to drive.
  • Class C motorhomes fall in between, offering a mid-size option with additional living space.
• Recreational (or travel) trailers: Non-motorized RVs that are towed by another vehicle. Examples include slide-on campers, cabin trailers, fifth wheel or tent trailers.  

For a more in depth look at the different classes of RVs, check out the Canadian Recreational Vehicle Association's explanation.

• Is it driven or towed?
• How often do you use it – seasonally, occasionally, or for extended trips?
• What is your RV worth, and could you comfortably cover repair or replacements costs it were damaged or stolen? 

Before purchasing coverage, review your RV's type, usage, and value. Since how you use your RV can change over time, speaking with a licensed insurance advisor can help you review how your coverage applies in different situations, such as when driving or storing your RV. 

Required coverage applies to motorhomes driven on the road, while optional coverage helps protect the RV itself from damage, theft, or weather-related risks, including when it's parked or stored.

Motorhomes and camper vans are motor vehicles and must be insured while on the road. Mandatory coverage is different in every province, however Third Party Liability is always required.

Because motorhomes are larger and heavier than cars, they can cause more damage in an accident, underscoring the importance of Third-Party Liability.

Recreational trailers are different. Because they're towed and are not motorized, Third Party Liability insurance requirements may differ. However, considering the value of your trailer, and the possibility of it becoming detached, adding Third Party Liability coverage is often a wise choice.

Note: Auto insurance is provincially regulated in some parts of Canada. In provinces with government-run auto insurance (such as BC, Manitoba and Saskatchewan), mandatory coverage is not offered through TD Insurance and must be purchased through the provincial insurer.

An insurance advisor can walk you through your options and help you choose a liability limit that's right for your situation.

Neither your auto nor home insurance automatically covers physical damage to your RV. To help protect the RV itself, you may want to add one or more optional coverage.  Your decision may depend on the age and value of your RV, how often you travel, and whether your unit is financed (as lenders often require physical damage coverage).

• Collision: Covers damage to your RV caused by a traffic collision or rollover.
• Specified perils: Coverage for specific risks listed in your policy, such as fire, theft, hail or lightning.
• Comprehensive coverage: Includes Specified Perils (explained above) and adds protection for risks like vandalism or damage from falling objects.
• All Perils coverage: Combines Comprehensive and Collision coverage, offering the broadest protection.

Savings Opportunity: Already have a car insured with TD Insurance? You could benefit from a multi-vehicle discount by combining your RV with your car policy.

Limited Waiver of Depreciation

If you're insuring a brand-new motor home, this coverage allows you to receive the original purchase price if it's stolen or deemed a total loss, rather than the depreciated market value.

TD Insurance Grand Touring Solution® Motorhome and Recreational Trailer

Designed for RV travelers, the TD Insurance Grand Touring Solution® Motorhome and Recreational Trailers coverage add valuable protection when you're on the road. 

• Loss of use extension: Helps cover the cost of a replacement RV or unexpected travel expenses, after a covered accident, up to a limit of $5,000 per incident.
• Towing coverage and Emergency Road Service reimbursement: Helps with costly towing bills and reimburses emergency service expenses (up to $500 per incident) if your trip is disrupted by a breakdown.
• Coverage for belongings: Up to $2,500 to replace personal items damaged or lost due to a covered claim.
• Rental RV coverage: Renting an RV in another province or the U.S? Your coverage extends to the rental unit, valued up to $150,000, potentially eliminating the need to purchase insurance from the rental agency.

Savings Opportunity

Already have Grand Touring Solution on your auto policy? You can add the Grand Touring Solution® for Motorhomes or Recreational Trailers at 50% of the cost. 

Insurance works best alongside good care and prevention. A few proactive steps can help you avoid costly claims later. 

• Perform regular maintenance: Wear and tear isn't covered by insurance, so staying ahead of maintenance matters. Regularly checking tires, brakes, seals, and propane systems can help prevent mechanical failures, leaks, and safety hazards when you're travelling.
• Secure your RV: RVs can be attractive targets for theft or break-ins. Using wheel locks, hitch locks, and alarms can help deter theft and reduce the risk of damage or loss. 
• Drive with care: RVs handle differently than cars. Their size and weight increase stopping distances and make sharp turns riskier, so reducing speed, especially around corners and curves could help prevent rollovers and collisions
• Know your RVs size: Being aware of your RV's height, width and length helps you avoid costly impacts with low bridges, tree branches, or tight spaces. Watch for clearance signs and use a spotter when parking or maneuvering in tight areas
• Prepare for weather conditions: RVs are more exposed to the elements and can be more prone to leaks or damage from wind, hail, and freezing temperatures. Knowing how to protect your RV, such as using RV covers or hail protection when parked, can help prevent water damage and structural issues.  
• Winterize for off-season storage: Proper winterization, like draining water systems, covering the RV, sealing the roof and adding skirting to keep out cold moisture and pests, helps protect your RV.  Doing this before storage can save you from expensive repairs when it's time to hit the road again.  

RV insurance is about more than checking a box, it's about considering how your coverage aligns with the way you travel.  By understanding your RV, knowing what coverage is required, and choosing options that match your travel style, you can fully enjoy your adventures.

Before your next trip, take a moment to review your policy and ask questions. The right advice today helps keep you feel more prepared for what's ahead.