Enjoy Your Travels with the Security of RV, Trailer & Motorhome Insurance
A Unique Mix between Home & Auto Insurance
MBS Insurance Brokers Ltd. offers motorhome and RV insurance in Edmonton and surrounding areas. RV insurance generally refers to insurance for recreational vehicles, whether they’re vacation trailers, campers or motorhomes. These types of units require a slightly different type of insurance coverage that is a unique mix between car insurance and home insurance, as there can be claims made while they’re being driven or pulled down the roadways, but there’s also a need to cover your personal belongings inside the unit, as well as the actual unit itself. Depending upon the age and value of the unit, some policies will offer guaranteed replacement cost coverage; i.e., if there is a total loss on the unit, they will replace it with a brand-new unit of similar quality.
Travel trailers and fifth-wheel trailers don’t fit on an automobile policy since technically they’re not a vehicle with an engine. However, they don’t quite fit on a home policy either because they have wheels and can move around. Specialty travel trailer policies include coverage for the unit itself and your personal belongings inside. A motorhome is a hybrid between a house and an automobile – literally a home on wheels. Specialty RV policies are like having two insurance policies in one: it protects your motorhome like car insurance does and would include third-party liability and it also protects your motorhome itself, as well as the belongings inside it like home insurance does.
How Do I Qualify for RV Insurance in Edmonton?
There are no specific criteria or requirements for travel trailer insurance; however, many motorhome packages require the driver to be at least 25 years old. It’s best to discuss this with one of our brokers at MBS Insurance Brokers Ltd., as there are additional options available for those drivers who may not yet be 25 or have a perfect driving record.
What is Usually Covered in a Policy?
Unlike your typical auto or home insurance, these policies have the ability to offer additional coverage for emergencies while you’re using the unit away from home. For example, in the event that your motorhome is damaged and unusable while you’re camping in British Columbia, the policy can offer coverage for you to stay in a hotel until you’re able to have the unit repaired or are able to make the necessary arrangements to get back home. Choose the type of coverage you want:
• Guaranteed Replacement Cost – If your unit is written off, you’ll get a brand-new unit similar to yours with no limit.
• Standard Replacement Cost – If your unit is written off, you’ll get a brand-new unit similar to yours up to the insured amount.
• Actual Cash Value – If your unit is written off, you’ll only get back what you could have sold the unit for.
We Know the “Ins” & “Outs” of RV Insurance in Edmonton
Our team of licensed brokers at MBS Insurance Brokers Ltd. is familiar with the differing types of RV insurance in Edmonton, and we’re prepared to offer you the best options at competitive rates. We offer great customer service, as we’re not a call centre. Each client has a dedicated broker that they can contact directly with any questions. Also, as we’re located in Edmonton, we know the “ins” and “outs” of Alberta insurance, so you can be assured that we’ll provide you with the insurance coverage that suits your individual needs.
Expect a Competitive Quote from Us within 1-2 Hours
Interested in discussing RV insurance with a member of our dedicated team in Edmonton? Contact MBS Insurance Brokers Ltd. by phone at 780-436-7880 or via email at firstname.lastname@example.org. You can expect to receive a competitive quote back from us within 1-2 hours.