Insure your travel trailer for every adventure
Whether you use your travel trailer for weekend getaways, extended road trips or seasonal stays, a Navacord advisor can help you find coverage that reflects your trailer, belongings, travel plans and storage arrangements.
Coverage for the road ahead
Travel trailer coverage for the road and beyond
A travel trailer is both a valuable asset and a temporary living space, creating risks that may not be fully addressed by an auto or home insurance policy. Your Navacord advisor can help arrange protection based on your trailer type and value, how and where it is used, and where it is stored.
All risks coverage
Provides broad physical damage protection for your travel trailer against direct, sudden and accidental loss, unless the cause is specifically excluded by the policy.
Premises liability
May help cover eligible bodily injury or property damage claims that arise while your trailer is parked and being used as temporary vacation accommodations, subject to policy terms and limits.
Collision or upset
When a travel trailer is insured under an auto policy, this coverage may help pay eligible repair or replacement costs if the trailer is damaged in a collision, rollover or impact with another vehicle or object, subject to the selected deductible and policy terms.
Comprehensive coverage
When available under an auto policy, this coverage may help protect your travel trailer against insured losses not caused by collision, such as theft, vandalism, fire, hail, severe weather, falling objects or contact with wildlife.
Contents and personal belongings
May help protect eligible personal belongings kept in your travel trailer, supplementing any limited coverage available through a home, condominium or tenant policy.
Attached accessories and equipment
Coverage may be available for eligible permanently installed features such as awnings, appliances and solar equipment. Declared values, limits and policy conditions may apply.
Storage and seasonal use
Coverage can be tailored to reflect whether your trailer is stored during the off-season, kept at a seasonal site or regularly towed, helping protect it both on the road and while parked.
More than standard coverage
Additional protection for your travel trailer
Optional coverage can provide added protection for your trailer, equipment and travel plans. Availability varies by insurer, and your Navacord advisor can help you assess which options are appropriate for how you use and value your trailer.
Emergency vacation expenses
May help with eligible transportation, accommodation or meal expenses if a covered loss leaves your travel trailer unusable while you are away from home.
Emergency roadside service
May provide eligible towing or roadside assistance when a breakdown involving your trailer or tow vehicle interrupts your trip. Services and limits vary by insurer and policy.
The Navacord difference
Personalized advice backed by national strength
Work with a dedicated advisor who understands your priorities and can access coverage options from a broad network of insurers. With local expertise and national capabilities, Navacord helps you make informed decisions with confidence.
Build a long-term relationship with an advisor who takes the time to understand your travel trailer, towing habits, storage arrangements and broader personal insurance needs.
Access a network of specialty insurers and coverage options for travel trailers, fifth wheels, tent trailers and other eligible towable recreational units.
Make informed decisions with advice focused on your coverage needs, preferences and budget.
Insights from our travel trailer insurance specialists
We can insure travel trailers that are lived in as a full-time residence or used by snowbirds for extended seasonal stays.
FAQs for RV insurance
Coverage may be available for several types of towable recreational units, including:
- Conventional travel trailers
- Fifth-wheel trailers
- Tent trailers and pop-up campers
- Toy haulers with living quarters
- Park models or stationary trailers, where eligible
Eligibility, available coverages and policy requirements vary by insurer, trailer type and province or territory. A Navacord advisor can help you identify an appropriate solution for your unit and how you use it.
Although liability coverage from your tow vehicle may extend to an attached trailer while it is being towed, it may not cover damage to the trailer itself. Separate travel trailer insurance can help protect against insured risks such as collision, theft, fire and severe weather, while also providing options for contents, vacation liability and storage-related exposures. Requirements and available coverage vary by insurer and jurisdiction.
Depending on the insurer and policy selected, coverage may include collision or upset, personal belongings, attached equipment, emergency roadside service and trip interruption expenses. Your advisor can help tailor the policy to your trailer, travel plans and storage arrangements.
Coverage options and policy requirements can differ for seasonal, extended or full-time use. Let your Navacord advisor know if your trailer remains at a seasonal site, is occupied for extended periods, is rented to others or is used as a residence. Accurate usage information helps ensure the policy reflects your circumstances and reduces the risk of coverage gaps.
Emergency roadside service may be available as optional coverage and can help with eligible towing, tire service or other assistance following a covered breakdown. Services, limits and eligibility vary by insurer and may depend on the size of the trailer and tow vehicle. Your Navacord advisor can explain the options available to you.
Some insurers may offer reduced coverage or a lay-up option when your travel trailer is not in use. However, the trailer can remain exposed to risks such as theft, fire, vandalism and weather-related damage while it is stored. Before changing your policy, speak with your Navacord advisor to understand the available options, lender requirements and coverage that should remain in place during the off-season.
