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5th wheel insurance 2026 — Fifth wheel Quebec

Do you own a 5th wheel ? Caravan towed by fifth wheel in the box of the pick-up. Find the best coverage in 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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5th wheel insurance 2026

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Essential Blankets for a 5th Wheel

Civil liability

Minimum $2 million in Quebec, $5 million recommended. Protects against damage to others.

Fire and theft

Essential during winter storage. Covers short circuit, fire, vandalism.

Collision and all-perils

Damage to the RV in the event of an accident, bad weather (hail, wind, branches).

Personal belongings

Limit $5,000-25,000 depending on the insurer. Dish covers, electronics, bicycles, equipment.

RV Roadside Assistance

Specialized towing, breakdown assistance, temporary accommodation in case of breakdown.

Replacement cost guarantee

Over 24-60 months depending on model. Avoids the discount in the event of a total loss.

5th wheel specifics

RV Type

Caravan towed by fifth wheel in the box of the pick-up. More stable, more spacious. Brands: Keystone Cougar/Montana, Jayco Eagle, Heartland Bighorn.

Driving and Licensing

Most Class 5 licences (Quebec) allow you to pull an RV <4,500 kg. Check the towing capacity of your towing vehicle.

Winter storage

Covered during the wintering if the policy includes fire/theft coverage. Check the conditions (warehouse vs. residential yard).

Frequently asked questions

How much does 5th wheel insurance cost in Quebec?
Premiums for a 5th wheel vary by type and value: $320 to $1,200/year. Simpler models (tent-trailer, mini-trailer) cost less than 5th wheels or classic luxury caravans.
Does a 5th wheel have to be insured all year round?
Yes, in Quebec, your 5th wheel must be insured 12 months out of 12, even in storage in winter. Civil liability and fire/theft coverage are mandatory to keep the mortgage guarantee if you finance the RV.
What is the best coverage for a 5th wheel?
Replacement cost 24-60 months for recent models, civil liability $2 million minimum, fire/theft/vandalism, personal effects $5,000+. A used 5th wheel is often satisfied with the market value.
Is my driver’s license enough to pull a 5th wheel?
Caravan towed by fifth wheel in the box of the pick-up. A Class 5 (auto) licence is sufficient for most 5th wheels under 4,500 kg (10,000 lbs). For higher loads, a Class 5 licence remains valid, but check the towing capacity of your towing vehicle.
Is my 5th wheel covered in the US?
Yes, most Quebec RV policies cover travel within the United States and Canada. Usual maximum duration: 30 to 60 consecutive days. Check your contract before a long trip.
How to reduce the cost of insuring a 5th wheel?
1) Combine with your car/home insurance (10-25% discount). 2) Choose a higher deductible ($1,000 vs. $500). 3) Take advantage of the wintering discount. 4) Compare at least 3 insurers — that’s what our partner brokers’ brokers do.

Why choose Assur360

  • ✓ Independent comparator : we compare more than 9 insurance companies for you
  • ✓ AMF and Chambre de l’assurance certified partner firms
  • ✓ 100,000+ Quebecers have already trusted our network
  • ✓ Free service, no hidden costs, no commitment
  • ✓ Quote in 3 minutes, online or by phone
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