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Stationary RV Insurance in Quebec 2026

Your stationary RV stays on the same campground all season (sometimes for several years)? The insurance policy for a stationary RV is different from that of a towed RV. 3-season addition, deck, added equipment, rented land: all of this must be declared to be covered. Assur360 is an independent comparison platform that connects you with AMF-certified partner firms. The brokers from our partner firms compare over 9 specialized RV insurers for the best stationary coverage at the best price.

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Essential Coverages for a Stationary RV

Liability Insurance

Minimum $2M, $3M to $5M recommended. Covers damages caused to others on the premises (visitors, neighboring sites).

Fire and Theft

Essential. Includes fire, short circuit, vandalism, and theft. The main cause of claims on stationary trailers is fire.

Three-Season Room / Veranda

Often added as an option: rigid or flexible structure attached to the trailer. Must be declared with its value.

Deck, Shed, Outdoor Fireplace

Equipment installed on the site (gazebo, shed, outdoor BBQ, fireplace). Coverage limit to check: $2,000 to $15,000.

Personal Effects

$5,000 to $25,000 depending on the insurer. You keep equipment on-site all season: dishes, electronics, outdoor furniture.

Water and Hail Damage

Important for stationary trailers — prolonged exposure to the elements. Check the limit and exclusions.

Specifics of a Stationary Trailer

1

Define “Stationary”

A trailer that stays on the same campsite for ≥ 6 consecutive months, generally not towed during this period. Different from a travel trailer.

2

Check the Land Contract

The campsite often requires a minimum liability insurance. Read the contract before subscribing — some require $2M, others $5M.

3

Declare All Additions

Three-season room, deck, shed, gazebo, built-in BBQ, wall-mounted air conditioner, outdoor fireplace: declared = covered. Undeclared = excluded.

4

Choose the Right Type of Policy

Some insurers offer a stationary RV policy; others treat it as a secondary residence. The right choice affects the price and coverage.

Pitfalls to Avoid

Undervaluing additions

A $12,000 unreported 3-season addition is not reimbursed after a claim. Make an accurate list with values.

Thinking that land liability is enough

Camping insurance does NOT cover your trailer or your belongings. You need to have your own policy.

Forgetting the annual move

If you move the trailer off-season or change sites: declare it. The trip and the new site must be covered.

Undercovering personal belongings

You often leave equipment on-site all season. Check the limit — often $5,000 by default, which should be increased.

Ignoring water risk

Stationary trailer = prolonged exposure to rain/snow. Ask for extended water damage coverage.

Not comparing multiple insurers

The stationary market is niche: not all insurers cover it. Comparing helps avoid paying 30-40% too much.

Indicative price for stationary trailer insurance — Quebec 2026

Ranges for recent stationary trailers on camping sites, driver with no claims. Actual price based on your record.

ProfileAnnual premiumIncluded coveragesNote
Basic stationary trailer ($20,000-$35,000)$380 – $700Liability $2M, fire, theftNo additions or endorsements
Stationary trailer with 3-season addition$550 – $950+ declared additionAdditions > $8,000
Complete stationary trailer (addition + deck + shed)$750 – $1,400+ all additions + extended personal effectsTypical QC camping setup
Luxury stationary trailer (5th wheel $80,000+ with complete setup)$1,200 – $2,200+ replacement costCombine auto+home = -20%

Frequently Asked Questions

How much does insurance for a stationary RV cost in Quebec?
Premiums range from $380/year for a basic RV to $2,200/year for a complete setup (5th wheel + addition + deck). The average for a stationary RV with a 3-season addition is around $700-950/year.
Does a stationary RV need to be insured year-round?
Yes, even off-season. Liability and fire/theft coverage must remain active 12 months a year. Many insurers offer a winter discount if the RV is unoccupied from October to April.
Does the campground insurance cover my RV?
No. Campground insurance covers its own facilities and operator liability. Your RV, your belongings, and your personal liability must be covered by your own policy.
Do I need to declare my 3-season addition to the insurer?
Yes, it’s essential. An undeclared addition is not covered. Provide the actual value (materials + labor) and take photos before the season.
Does the campground contract often require liability coverage: how much?
Campgrounds generally require a minimum of $2M, and increasingly $5M. Check your site rental contract before arrival.
Can I insure a used stationary RV that is 15+ years old?
Yes, but the number of insurers willing to cover decreases. Some require an inspection or refuse coverage beyond 20-25 years. The comparison platform helps quickly identify companies that accept older RVs.
If I move my stationary RV during the season, am I covered?
Occasional movement (to another campground, on a trip) is generally covered if you have a standard RV policy. For a permanent site change, notify the insurer — the storage address changes.
What is the difference between a stationary RV and a mobile home?
A stationary RV remains an RV (mobility possible). A mobile home is a permanent residence, often placed on foundations, treated as a dwelling. Policies and prices differ. See our mobile home insurance page.

Why choose Assur360

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  • ✓ AMF certified partner firms and Chamber of Insurance
  • ✓ 100,000+ Quebecers have already trusted our network
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  • ✓ Quote in 3 minutes, online or by phone

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