Trailers & Campers Insurance | Harvard Western Insurance

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Want to learn about your insurance? Click on one of the below topics!

In Storage Coverage

When your trailer is parked for the winter, if there is no policy on it and the plates are not active, there is no insurance. But theft, vandalism, and other risks still exist, and your home insurance will not extend to protect it. So, what are you supposed to do to keep it covered? Put an Auto Pak policy on it.

Comprehensive Coverage

This coverage is for basically everything that isn’t a collision. These types of losses covered by this insurance include fire, theft, wind, hail and vandalism. Package policies let you have comprehensive deductibles as low as $50, so you still have coverage after you let your plates expire. Did I mention it covers theft? Your homeowner’s policy will not respond if your trailer is stolen from your property. With comprehensive coverage, you rest easy this winter if the Grinch comes to visit you.

Lower Deductibles

If you’re responsible for a collision or hail damages your trailer, with basic plate insurance, you must pay a $700 deductible! With a package policy, you can lower your deductible to an amount that’s a little more budget-friendly. I mean, when was the last time we had a hail or wind storm in Saskatchewan…

Personal Liability

This coverage protects you financially from the pain of a nasty lawsuit. If you’re ever held responsible for causing bodily injury or property damage to a third party, you’ll want a policy to have your back. When travelling in different provinces or across the border in the United States, it’s good to familiarize yourself with how they deal with accidents, as not everyone has no-fault insurance. Ask an advisor about a top-up of your liability before your trip.

Voluntary Fire Fighting

Depending on where your trailer is permanently parked, you may have one or more volunteer fire departments responding in the event of a fire. If this is the case, you may be surprised by a hefty bill when it’s all over. With Voluntary Fire Fighting coverage, your policy would cover this expense.

Loan Protection

Did you finance your trailer? If you did, you might have also signed up for a form of Life Insurance! Often referred to as Mortgage/Creditor Insurance, this type of coverage is designed to protect the bank if the worst should happen. Find out about the difference in coverage when you have a policy designed to protect your assets and your family.

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