Lower your deductible
Pay a little extra monthly to lower your deductible if you have a claim.

Increase your deductible
Pay a little less every month by choosing a higher deductible.

Waive your deductible
You may not have to pay your deductible in some situations. Ask your broker for details.

Collision coverage is crucial in managing the risks associated with owning an RV camper trailer, especially when involved in a collision with another vehicle or object. This type of coverage is also known as collision or upsets coverage.

It provides financial protection if your trailer collides with or is struck by another object or the ground or if your vehicle rolls over.

Comprehensive coverage is crucial for safeguarding your RV against non-collision-related events such as fire, lightning, theft (unrelated to contents or personal belongings), vandalism, and natural weather disasters like winds from a hurricane or dents caused by hail.

If you choose to leave your RV or camper parked at a seasonal site throughout the year, comprehensive coverage becomes even more essential. In the year 2023, the summer storms that swept through the Prairies and Alberta led to insured losses exceeding $300 million.

When your trailer is parked for the winter, if there is no policy on it and the plates are inactive, there is no insurance. But theft, vandalism, and other risks still exist, and your home insurance will not extend to protect it.

If your trailer is already insured on an auto policy when you cancel your plates, ensure you discuss a change in coverage with your broker if you plan to stay in the camper for the duration.

Are you looking to protect yourself financially from a potential lawsuit? Increasing your liability limit can help protect you financially from the pain of a nasty lawsuit. If you are accused or found responsible for causing bodily injury or property damage, you’ll want more than the basic $200,000 plate limit.

We highly recommend increasing your liability limit, especially for newer drivers, because statistically, new drivers may be at a higher risk of causing an accident.

Mice, rats, and squirrels can cause significant damage and create a mess when they reside in your trailer. SGI spokesperson Tyler McMurchy states that while rodent-related claims may not be a dominant area for SGI, they are still noteworthy. He added, “The average cost of one such claim amounts to $12,000.” Although most claims are much smaller in scale, there are cases where expensive trailers and motorhomes suffer extensive damage.

To prevent these furry critters from gnawing their way into vehicles, McMurchy suggests visiting SGI’s website and accessing a helpful list of tips on rodent prevention.