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Recreational Vehicle (RV) Insurance

Recreational Vehicle Insurance

RV insurance protects your favourite recreational vehicles and you from unforeseen costs associated with:

  • Vehicle damage
  • Medical bills
  • Theft
  • Liability

At Ron Johnston Insurance, we work with RV owners across Ontario, and we understand better than most how diverse these machines can be. We provide policies for a wide range of vehicles, including:

  • ATV insurance
  • Snowmobile insurance
  • Seadoo insurance
  • Dirt bike insurance
  • Skidoo insurance
  • Motorhome insurance
  • Camper unit insurance

If you don’t see your RV-type listed here, don’t fret. Our brokers are constantly updating our policies to provide the most in-depth coverage at the best rates.

Why Buy RV Insurance with Ron Johnston?

For more than four decades, Ron Johnston Insurance has served the people of Ontario in a broad range of RV and ATV insurance services.

Being a local business, our team of experienced brokers know we aren’t just serving clients, but friends and neighbours. We strive to provide the greatest level of protection on all recreational vehicle trailer insurance policies while meeting your budget needs with every quote.

When you work with Ron Johnston Insurance for your motorhome insurance, you work with a team who believes in:

  • Above and Beyond – Our brokers work around the clock to find the best deals for our clients. We aren’t satisfied until we know all your needs have been met, and you have peace of mind about your recreational vehicle.
  • Express Claims – We offer express claims on our RV insurance for accessibility and convenience.
  • Customer Satisfaction – Your satisfaction is important to us. Our business is protecting you and your RV. If you aren’t satisfied, we aren’t doing our job right.

What Does RV Insurance Cover?

  • Fire
  • Explosion
  • Theft
  • Vandalism
  • Wind
  • Falling objects
  • Lightning
  • Hail

The types of coverage available depend on whether you select a standard RV insurance policy, or an extended policy with customized add-ons. Within the scope of a basic recreational vehicle insurance contract, you can expect coverage on:

Collision repair – If your RV is in an accident, or damaged by one of the perils listed in your policy, your insurer will pay to repair and replace your equipment. Collision repair coverage also applies to damage repairs to another rider’s vehicle if you are found at fault in an accident.

Campsite coverage – If you are at a campsite and your camper becomes unlivable, your campsite and vacation protection provide alternative sleeping accommodations.

Towing and emergency services – Towing and emergency services coverage ensures you always have the funds necessary to get you out of a tight place. Whether you need a tow or an ambulance, your RV insurance has you covered.

Uninsured – While it is illegal to drive on Ontario roads without insurance, some drivers do. If you are in an accident with an uninsured vehicle, your uninsured coverage will pay for repairs, medical fees, and legal fees, no matter who is at fault in the collision.

Extended options bespoke RV insurance include:

Food spoilage – If you are camping and the power goes, your food may spoil. Food spoilage coverage is to help provide funds to replace freezer goods that rot during a power outage.

Water damage – Water and sewage issues are not commonly included in a standard RV policy. However, some insurance providers allow you to extend your policy to cover water damage, rust, and flood damage.

Total loss replacement – If your RV is damaged beyond repair, total loss replacement pays for a new vehicle up to an allotted amount detailed in your contract. You are still required to pay your deductible in this instance. For example, if your deductible is $1,000 and your RV is worth $20,000, you may be entitled up to $19,000, depending on the structure of your policy.

Frequently Ask Recreational Vehicle Insurance Questions

At Ron Johnston Insurance, we believe that having all of the information is the best way to make an informed choice on RV insurance.

Do I need RV insurance if I’m renting?
I live in my motorhome year-round; what kind of insurance do I need?
Do I need to buy recreational vehicle insurance?

Do you still have questions about insurance for your RV, ATV or snowmobile? Ron Johnston Insurance can help you find the right coverage at the right price for your recreational vehicles. We invite you to call us at 1-705-325-6200 for your recreational vehicle insurance quote.

J Jeff Sieger

Their whole staff is great, and Chris is a lifesaver. Strongly recommend them!

F Fred Sansolita

Ron insurance we're really professional people and help me out greatly with my policy

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