Motor Home Insurance

Frequently Asked Questions

- Motor Home insurance general info
- Motor Home insurance coverage
- Restrictions

Motor Home insurance general info

How do you define a motor home?
A motor home is generally defined as a self-propelled vehicle containing living quarters that are an integral part of the vehicle and not removable. Since the legal definition of a motor home may vary from one province to another, please refer to the legislation in your province to determine whether your vehicle qualifies as a motor home and to learn more about your responsibilities.

Motor Home insurance coverage

Since a motor home is basically a home on wheels, shouldn’t my home insurance policy cover my motor home?
Your home insurance will cover the contents of your motor home. However, motor homes share the same roads as automobiles and require the same liability and accident benefit protection. Provincial laws govern the requirements for vehicle insurance, including motor homes.

What personal property do I need to cover in my motor home?
Your personal property or contents carried within the motor home are generally not covered by the basic automobile policy. Personal property carried within the motor home, such as clothing and electronics, require content coverage through a residential insurance policy. Only permanently fixed items, such as cupboards or built-in furniture, are covered under the motor home policy.

What exactly is covered under my motor home insurance?
Motor home protection is similar to that of your automobile. Basic coverage, third-party liability insurance and accident benefits are mandatory, and you may purchase optional property damage coverage such as Specified Perils, Comprehensive, Collision and All Perils.

My wife and I both like to drive our motor home. Does this insurance cover additional drivers?
The automobile insurance does cover additional drivers. However, you must list all regular drivers of the motor home in the insurance policy.


Are there any reasons why you might not sell me motor home insurance?
There are some limitations and exclusions, which you can see on the restrictions page.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.