RV Insurance in Canada

The recreational vehicle (RV) industry in Canada is evolving, with more young Canadians embracing RV life. Whether for weekend getaways or full-time living, RVs and motorhomes are becoming an increasingly popular choice, especially among millennials and first-time owners. Understanding the unique considerations for RV insurance can help ensure you’re properly covered as you hit the road.

Growing Popularity Among Younger Canadians

The growing interest in RVs among younger Canadians is evident in the RV ownership statistics. A study by the RV Industry Association reveals that the median age of RV owners has declined from 53 in 2021 to 49 in 2025, with 46% of owners now between 35 and 54 years old. First-time owners now comprise 36% of all RV owners, indicating a fresh wave of enthusiasts entering the market.

RVs come in various forms, with Class A motorhomes being especially popular among millennials and first-time owners. Conventional travel trailers are the most common towable RV, while motorcoaches and other types of RVs are preferred for longer, more luxurious trips.

Key Insurance Considerations for Canadian RV Owners

As more young Canadians take to the road, it’s crucial to understand the unique aspects of RV insurance.

According to Michael Wilson, AVP of specialty lines at NFP, an Aon company, staying on top of maintenance helps prevent inconveniences on the road — and potentially costly claims.

“Regularly maintaining all systems, including tanks, electrical components and plumbing, ensures your RV is up to code and ready for use,” he says. “Proper storage is also critical. Even when your RV is parked for the season, there’s still the risk of weather damage, leaks or freezing.”

Another critical factor to consider is the type of coverage you need. RV insurance typically covers a wide range of incidents, including damage caused by wind, hail and falling objects — some of the most common reasons for RV insurance claims.

“Wind and hail damage have been a growing concern, especially with the unpredictable weather we’ve experienced recently,” says Wilson. “Many RV awnings get ripped off because they aren’t secured properly, and branches fall when RVs are parked under trees. It’s important to know where you’re going and the potential risks in that area.”

RV insurance should also include coverage for personal effects inside the vehicle, ensuring your belongings are protected while on the road. Liability coverage is another consideration, especially if you plan to travel internationally.

Year-Round Coverage and Tailored Solutions

At NFP, we can connect clients with a range of tailored RV insurance solutions including bundling with other specialty lines, such as collector car or motorcycle insurance. This approach allows us to provide integrated coverage that includes accessories and equipment, ensuring every aspect of your RV lifestyle is protected.

Whether you’re a first-time RV owner or a seasoned traveler, we’re here to help.