RV Insurance in British Columbia

What Does RV Insurance Cover?

A comprehensive RV insurance policy from Western Coast Insurance includes:?

• All-Risk Coverage: Protection against a wide range of risks, including accidents, theft, vandalism, fire, and natural disasters.?
• Replacement Cost Options:
  • Replacement Cost Coverage: Ensures your RV is replaced with a new one of similar kind and quality in the event of a total loss.?
  • Guaranteed Replacement Cost: Provides the full cost to replace your RV, even if it exceeds the policy limit.?
• Personal Property Coverage: Covers personal belongings inside your RV, such as clothing, electronics, and kitchenware, against insured risks like damage and theft.
• Additional Living Expenses: Reimburses costs for temporary accommodations and other expenses if your RV becomes uninhabitable due to a covered loss.?
• Outbuildings on RV Lot: Provides coverage for structures on your RV lot, such as sheds or gazebos, against covered perils.
• Extended Warranty for Appliances: Offers protection for essential RV appliances against unexpected mechanical or electrical failure.
• Emergency Road Service: Includes services like towing, battery boosts, and flat tire repairs to keep you moving on your adventures.
• Full Timer's Package: For those who use their RV as a primary residence, this package includes personal comprehensive liability coverage, stored personal contents protection, and additional living expense coverage.

Factors Influencing Your RV Insurance Premium

Several factors can affect your RV insurance premium, including:

• Type of RV: Motorhomes, travel trailers, and camper vans may have different insurance costs based on their features and usage.
• Usage: Frequency of use, whether for occasional trips or full-time living, can impact premiums.?
• Coverage Limits and Deductibles: Higher coverage limits and lower deductibles typically result in higher premiums.
• Driving Record: A clean driving history can lead to lower insurance costs.?
• Storage Location: Where you store your RV when not in use can influence your premium, with secure storage facilities potentially reducing costs.

Available Discounts

You may qualify for discounts if you have:

• Mature Citizen Status: Discounts may be available for experienced RV owners.
• Claims-Free History: Maintaining a record free of insurance claims can lead to premium reductions.
• Bundled Policies: Combining RV insurance with other policies, such as auto or home insurance, can result in savings.
• Security Features: Installing alarm systems or other security devices in your RV may qualify you for discounts.?

Frequently Asked Questions

Is RV insurance mandatory in British Columbia?

Yes, if your RV is a motorized vehicle, it requires mandatory insurance coverage, including third-party liability and accident benefits. For towable RVs, insurance is not legally required but is highly recommended to protect your investment.

Does my auto insurance cover my RV?

Standard auto insurance policies typically do not provide adequate coverage for RVs, especially for personal belongings and specialized equipment.