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2026 Heartland RV Insurance — Price starting at $700/year

Do you own a Heartland RV? Compare the best protections in less than 3 minutes. Assur360 is an independent comparator that puts you in touch with AMF-certified partner firms. The brokers of our partner firms compare more than 9 specialized RV insurers to find the best protection at the best price, at no cost.

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Heartland RV Insurance 2026

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Essential Covers for a Heartland RV

Replacement cost 24-60 months

On new Heartlands, essential to recover the purchase price in the event of a total loss. Avoids the 20% discount in the first year.

Liability $2M+

Minimum $2 million in Quebec, ideally $5 million for motorized RVs. Protects against damage to others in the event of an accident.

Fire, theft, vandalism

Crucial for a Heartland that is stored in winter. Covers fire (stove short circuit), theft and vandalism.

Personal Effects $5-25k

RV contents: dishes, electronics, camping equipment, bicycles. Check the limit and exclusions.

24/7 Roadside Assistance

Specialized RV towing (Heartland weighs 8,000-15,000 lbs), emergency labor, temporary accommodation.

Tire Replacement Warranty

RV tires cost $250-500/unit. Puncture cover, bursting.

Heartland Specifics

Brand Profile

Thor subsidiary, specialising in 5th wheels and high-end caravans. Models: Big Country, Bighorn, Cyclone, Mallard, Pioneer.

Popular models in Quebec

The most insured Heartland models in Quebec are in the mid-range and high-end segments. Recognized dealers often accompany the registration and initial insurance.

Residual Value

Heartland RVs generally hold their value well over 10 years with regular maintenance. Importance of a replacement cost or agreed cost guarantee.

Frequently asked questions

How much does Heartland RV insurance cost in Quebec?
Annual premiums for a Heartland RV range from $660 to $1,800 depending on the model, year, driving record and type of use (seasonal or annual). A new RV generally costs more to insure (high value), but the discounts are greater if you combine it with your auto/home insurance.
What is the best coverage for a Heartland?
The replacement cost (24 or 60 months) is crucial for a recent Heartland — you get the purchase price back in the event of a total loss. Then, fire/theft/vandalism coverage + civil liability minimum $2 million. Add personal effects protection and 24/7 roadside assistance.
Is the Heartland more expensive to insure than other brands?
Heartland RVs have insurance costs comparable to equivalent brands (Forest River, Jayco). What makes the price vary: the value of the vehicle, the weight (>10,000 lbs = higher category), the year and the options. A used Heartland can cost less than an equivalent new Coachmen.
Does my Heartland RV need to be insured year-round or only seasonally?
In Quebec, your RV must be insured 12 months a year, even if it is stored. Civil liability and fire/vandalism cover remain in force. Some insurers offer a winterization discount (-30 to -50% of the collision premium) during the storage period.
Are replacement parts for a Heartland covered?
Yes, the parts and accessories integrated into the RV (stove, fridge, generator, blind, TV antenna) are covered by the all-risk warranty. For personal belongings inside (dishes, electronics, clothing, fishing equipment), add personal effects coverage (limit $5,000 to $25,000).
Can I use my Heartland RV in the US?
Yes, most RV policies in Quebec cover travel within the United States and Canada. Check the maximum duration (often 30 to 60 consecutive days). For longer stays (snowbirds in Florida), a snowbird extension may be necessary.

Why choose Assur360

  • ✓ Independent comparator : we compare more than 9 insurance companies for you
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