We’ve passed the May long weekend, which Albertans know to be the last holiday weekend where you can be pretty much guaranteed of wacky, unstable weather. Last “May long” proved to be no different.
But, we are finally in June and the fine weather is upon us. It’s camping and travelling season once again. Before setting out on the open road, however, be certain your recreational vehicle is truly ready for all your summer adventures.
Start with mechanical readiness
Every experienced recreational vehicle owner knows the importance of spring maintenance. Your RV needs a thorough inspection after sitting idle. This should include:
- A battery check and replacement if needed
- A thorough tire inspection and inflation
- Inspections of all roof and window seals for leaks
- A fluid flush and replenishing
- Checking of the brakes, lights, and signals
- Checking all interior appliances, such as kitchen appliances
- Inspections of all slide-outs and awnings
- Confirmation that all smoke detectors, carbon monoxide detectors, and fire extinguishers are up-to-date and working
- A propane tank inspection for leaks and make sure tanks are full and properly secured
- Testing of fresh water, grey, and black tanks, plus checking of the hoses and fittings for leaks
Do you have the right recreational vehicle insurance coverage?
In Alberta, if your recreational vehicle is motorized and operational on its own, such as a motorhome, it requires its own recreational vehicle insurance.
Class A, B, or C motorized recreational vehicle insurance should include, at the very minimum:
- Liability coverage
- Collision and comprehensive coverage
- Contents coverage for items that are kept in your recreational vehicle full time, such as TVs, appliances, dishes, and utensils
Contents coverage limits are often not high enough for everything that gets hauled around in (or on) your RV. It’s important to ask what the limit is, particularly for your more valuable gear. In addition, it’s advisable to choose replacement cost instead of actual cash value coverage, which guarantees the replacement of your belongings if they are lost or damaged during a covered event.
Additional coverages you may consider could include:
- Emergency expenses for if your recreational vehicle breaks down far from home
- Vacation liability coverage, which protects you at your campsite should somebody injure themselves.
Keep in mind that many standard recreational vehicle policies exclude full-time use, so this is a crucial distinction. If you plan on living in your RV full-time, make sure that your provider knows this ahead of time so any claims can’t be disputed.
Do you need insurance for your trailer?
While travel trailers, tent trailers, and fifth wheels aren’t legally required to be insured in Alberta, as they are towed and not driven, they still represent a significant investment. They should have proper protection against damage, theft, or unexpected loss.
Ask us about a separate recreational vehicle insurance policy for your travel trailers, tent trailers, and fifth wheels. Don’t assume your truck or towing vehicle’s insurance covers the trailer fully, as it usually doesn’t, beyond basic liability.
Extras worth considering
Recreational vehicle insurance can be tailored with optional coverages to fit your travel style. Ask us about:
- Loss of Use coverage for the cost of a temporary replacement vehicle or alternative transportation if your recreational vehicle is being repaired or replaced due to a covered claim.
- Extended Loss of Use coverage helps cover extra travel-related expenses such as meals and hotel accommodations while your recreational vehicle is out of commission following a covered loss.
- In the event of a total loss or hit-and-run (subject to certain conditions), your policy could include a Deductible Waiver Clause that waives the deductible.
- If your recreational vehicle breaks down, Emergency Roadside Assistance can reimburse you for towing and emergency roadside assistance, so you’re not left stranded.
Should I Insure my recreational vehicle Year-Round?
While recreational vehicles are most often used in the spring, summer, and fall, it’s important to maintain coverage throughout the entire year. Risks like theft, vandalism, fire, or weather damage can happen any time, even when your recreational vehicle is parked or stored. Year-round insurance ensures peace of mind, no matter the time of year, and helps maintain your policy at the lowest cost.
Work with a broker who knows Alberta
There’s nothing like the freedom of the open road in summer. Your recreational vehicle can take you to some of the most beautiful places in Alberta and beyond — but only if you’re ready. Mechanical checkups and route planning are just the start. The right insurance policy ensures that a blown tire, break-in, or unexpected repair doesn’t turn your dream vacation into a financial headache.
The bottom line is, Lane’s Insurance is a leading Alberta-based brokerage, offering highly competitive rates on all of your insurance needs. We are pleased to serve homeowners and business owners throughout the province. Contact us at:
