How to insure your summer toys

Back to Blog

Couple sitting by the fire at their RV campsite

Does your perfect Sunday involve hauling the RV out to Lake Louise with the kids and the dog? Busting out the ATVs at Nordegg or making waves with the boat at Alberta Beach? Cruising the convertible down to the ice cream shack for the perfect sundae? If so, you’re going to need to make sure you’ve got the right insurance for all those summer toys.

Recreational Vehicles

RV Insurance covers you in case of loss or damage to your travel trailer, motorhome, camper unit, tent trailer or fifth wheel. It also includes liability insurance in case you’re financially responsible for damages to another person, their vehicle or their property.

Boats

There is typically limited coverage for watercraft under your home insurance policy. However, for boats above a certain length, value or horse power, you may need to purchase additional coverage — called a “floater” in an obvious case of serendipitous punnery — to provide coverage beyond what is included in your home policy.

ATVs

Unlike boats, all-terrain vehicles are not covered under your home policy. You’ll need to add coverage to your existing auto insurance policy to cover you for liability in case someone gets hurt or if you unintentionally injure someone or damage their property, and then add more coverage to protect against physical damage to the ATV.

Roadsters and Motorbikes

These require auto insurance policies the same as any other road-going vehicle, but if you’re in the habit of only having insurance coverage on them seasonally, be sure to reinstate your coverage before you hit the road.