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Find the best travel trailer insurance in Ontario

Looking for trailer insurance in Ontario? Connect with one of our licensed brokers to receive a free insurance quote for your trailer. Let's see how much we can save you today!

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How to get trailer insurance with Ratehub.ca

  1. Share information

    Fill out a quick form to tell us about yourself and your trailer insurance needs.

  2. Get a quote

    Connect with one of our licensed brokers, and get a personalized quote for your trailer policy.

  3. Secure your policy

    Once you're happy with the details, bind your trailer policy with us, so you can hit the roads worry-free.

How to get cheap insurance for a trailer

  • Bundle insurance products

    By insuring your car, home, and trailer under the same company, you can receive discounts for being a loyal customer.

  • Install security devices

    Many insurers offer discounts for having an approved security system in place – reducing your risk can lower your rate.

  • Get a group rate

    Ask your provider about group rates – oftentimes, certain groups and alumni will be eligible for trailer insurance discounts.

How does travel trailer insurance work?

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Trailer insurance is a form of coverage that protects your non-motorized vehicle from the unique risks it could face – such as liability, collision, and theft. It differs from RV motorhome insurance, a type of policy that's required for vehicles that aren't towed but rather driven on their own.  

In Ontario, a trailer won't be covered entirely by your personal car insurance policy. Instead, the third-party liability portion will apply to a trailer but only while it's being towed. And other types of coverages on your auto policy – such as collision and comprehensive insurance – won't automatically extend to your trailer.

That's why you should consider purchasing trailer insurance separately. Not only will you be covered adequately against risks on the road, but you can also protect yourself from off-road risks, such as a break-in. It's always a good idea to protect yourself financially, and it may be exactly what you need to enjoy your road trip worry-free. 

Do you have to insure a trailer in Ontario?

Non-motorized, towed vehicles don’t require their own insurance policy in Ontario. But despite so, it’s always a good idea to protect yourself financially ahead of time.

The different types of trailers to insure

No matter what type of trailer you own, you can find customized coverage for your needs – here are a few examples of trailers that should be insured.

    What does trailer insurance cover?

    While your auto policy can extend some protection to your trailer while it’s hitched, you’ll still be left with many gaps – so here are some types of coverages you can consider adding to your trailer insurance policy.

    How much does trailer insurance cost?

    The more expensive your trailer costs, the more you’ll be paying to insure it. Therefore, the cost of trailer insurance can vary greatly – expect to pay anywhere from $250 to over $1,000 each year for coverage. To get a personalized travel trailer insurance quote, be sure to book a call with one of our licensed brokers today.

    request a quote

    Factors that impact your trailer insurance quote

    1. Type of trailer

      The cost of a trailer can range greatly, and therefore, so does its insurance. Generally speaking, the more expensive it is to repair or replace your vehicle, the more you’ll be paying to protect it. Also, larger trailers often come with higher premiums due to the increased risks.

    2. Storage

      Your insurer may take into account how you store your trailer when it’s not in use. Parking your trailer on a public road brings a different level of risk than parking in a private garage – and your insurance premium will reflect that.

    3. Contents value

      With more valuables in your trailer, comes the need for more trailer insurance. Therefore, if your vehicle is decorated with all new furnishings and equipped with expensive technology, expect to pay more for your contents coverage.

    4. Trailer usage

      The more you use your trailer, the more expensive your premium will be. So if you’re a full-timer, don’t expect to pay the same rate as someone who hitches their trailer once every summer.

    1. Coverage type

      A policy an increased coverage selection will cost more, simply because you’ll be protected against more risks. And if you choose to insure your trailer and contents for its replacement value – instead of its depreciated, actual cash value – you’ll also be paying more.

    2. Insurance history

      If you’ve made several at-fault claims in the past, don’t expect your future rates to be cheap. Insurance companies like to see low-risk policyholders, so a clean insurance history and a low trailer insurance premium go hand-in-hand.

    3. Applicable discounts

      For a lower rate, be sure to ask your insurance broker about available trailer insurance discounts. There are many ways to save, including bundling your trailer, auto, and home policies under one company.

    Looking for motorhome insurance in Ontario instead?

    Recreational vehicles that don’t need to be towed require a different type of insurance policy – visit our page on motorhome insurance to learn more about your coverage needs.

    Frequently asked questions: trailer insurance

    Is a trailer covered by auto insurance?


    Do you need insurance for a camper trailer in Ontario?


    How do I get a travel trailer insurance online quote in Ontario?


    Matt Hands, Business Director of Insurance

    With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read more

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