{"id":74624,"date":"2026-06-08T13:11:37","date_gmt":"2026-06-08T17:11:37","guid":{"rendered":"https:\/\/www.assur360.ca\/rv-wintering-travel-insurance-usa-quebec-2026\/"},"modified":"2026-06-25T17:20:47","modified_gmt":"2026-06-25T21:20:47","slug":"rv-wintering-travel-insurance-usa-quebec-2026","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/rv-wintering-travel-insurance-usa-quebec-2026\/","title":{"rendered":"RV Wintering  Travel Insurance USA Quebec 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"RV-Insurance-Winter-Storage-and-Travel-to-the-United-States-2026\"><\/span>RV Insurance: Winter Storage and Travel to the United States 2026<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/assur360.ca\/assurance-vr-hivernage-usa\/\", \"logo\": \"https:\/\/assur360.ca\/wp-content\/uploads\/2024\/07\/logo-assur360.png\", \"telephone\": \"+1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"AdministrativeArea\", \"name\": \"Qu\u00e9bec\"}, \"serviceType\": \"RV Insurance Winter Storage and USA 2026\"}<\/script>\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Recreational Vehicle\", \"item\": \"https:\/\/assur360.ca\/assurance-vehicule-recreatif\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"RV Insurance Winter Storage USA 2026\"}]}<\/script>\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How many days can my RV stay in the United States?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"According to your insurance policy, the maximum consecutive duration in the USA varies from 30 to 180 days. Snowbirds spending the winter in Florida must ensure they have a policy covering a minimum of 120 or 180 days.\"}}, {\"@type\": \"Question\", \"name\": \"Is the winter storage discount automatic?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No, it must be requested. Several insurers offer a 5% to 15% discount if the RV is stored during winter (typically November to March), but this discount must be negotiated with your insurance broker.\"}}, {\"@type\": \"Question\", \"name\": \"Is my RV covered when stored in a warehouse?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, provided that the fire\/theft coverage remains active (it is by default unless otherwise requested). The storage location must be declared to the insurer (secured warehouse, yard, land).\"}}, {\"@type\": \"Question\", \"name\": \"Does RV insurance cover medical expenses in the USA?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. RV insurance covers your RV, your liability, and your personal belongings. For medical expenses abroad, you need to purchase separate travel medical insurance, ideally multi-trip for snowbirds.\"}}, {\"@type\": \"Question\", \"name\": \"What is the minimum liability coverage for traveling to the USA?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"$5 million minimum recommended. For extended stays in Florida or a high-value RV, aim for $10 million. Claims in the USA can reach several million USD.\"}}, {\"@type\": \"Question\", \"name\": \"Is my RV covered in Mexico?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Very rarely by Quebec RV policies. To cross into Mexico, you generally need to purchase specific Mexican RV insurance. Check before departure.\"}}, {\"@type\": \"Question\", \"name\": \"What happens if I exceed the USA duration specified in my policy?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"You risk being uncovered during the out-of-limit period. Before extending a stay, contact your broker to extend coverage \u2014 this is usually possible for an adjustment in premium.\"}}, {\"@type\": \"Question\", \"name\": \"Does the RV need to remain registered in Quebec during a stay in the USA?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. The Quebec license plate and valid registration are mandatory. A Quebec driver's license is sufficient to drive in the USA (tourist \u2264 6 months).\"}}]}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Are you storing your <strong>RV<\/strong> for the winter or heading south as a <strong>snowbird<\/strong> to Florida, Arizona, or Texas? Your RV insurance policy must specifically cover winter storage and travel to the United States \u2014 duration, destinations, value. <strong>Assur360<\/strong> is an independent comparison platform that connects you with certified <strong>AMF partner firms<\/strong>. The brokers from our partner firms compare over 9 specialized RV insurers for the best winter storage and USA coverage, at the best price.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;font-family:'Sora',sans-serif;font-weight:800;\"><span class=\"ez-toc-section\" id=\"RV-Insurance-Winter-Storage-USA-%E2%80%94-free-quote\"><\/span>RV Insurance Winter Storage + USA \u2014 free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;font-size:16px;\">Compare 9+ specialized RV insurers in under 3 minutes<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vr-en-ligne\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 40px;border-radius:50px;font-weight:700;font-size:16px;text-decoration:none;\">Get my free quote \u2192<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:24px;margin:40px 0;text-align:center;\">\n<div><div style=\"font-size:36px;font-weight:800;color:#10c4c7;font-family:'Sora',sans-serif;\">9+<\/div><div style=\"color:#64748b;font-size:14px;text-transform:uppercase;letter-spacing:1px;\">Insurers compared<\/div><\/div><div><div style=\"font-size:36px;font-weight:800;color:#10c4c7;font-family:'Sora',sans-serif;\">180 d<\/div><div style=\"color:#64748b;font-size:14px;text-transform:uppercase;letter-spacing:1px;\">USA coverage possible<\/div><\/div><div><div style=\"font-size:36px;font-weight:800;color:#10c4c7;font-family:'Sora',sans-serif;\">3 min<\/div><div style=\"color:#64748b;font-size:14px;text-transform:uppercase;letter-spacing:1px;\">Online quote<\/div><\/div><div><div style=\"font-size:36px;font-weight:800;color:#10c4c7;font-family:'Sora',sans-serif;\">15 %<\/div><div style=\"color:#64748b;font-size:14px;text-transform:uppercase;letter-spacing:1px;\">Typical winter storage discount<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><span class=\"ez-toc-section\" id=\"Winter-Storage-of-RV-in-Quebec-%E2%80%94-what-the-policy-must-cover\"><\/span>Winter Storage of RV in Quebec \u2014 what the policy must cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0;\">\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Fire \/ Theft Coverage During Winter Storage<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Maintained at 100% during winter storage. This is non-negotiable: the majority of winter claims = fire or theft\/vandalism.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Winter Discount (5-15%)<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Many insurers reduce the annual premium if the RV is stored from November to March. Ask for it \u2014 it is not always applied automatically.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Declared Storage Location<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Secure warehouse, residential yard, family land: to be declared. The location impacts the theft\/fire risk.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Partial Suspension of Road Coverage<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">During winter storage, some policies suspend collision and roadside assistance. Additional savings if you do not take the RV out.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Damage from Snow and Ice<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Roof, solar panels, antennas: winter exposure = risk. Check for exclusions related to snow weight.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Reactivation in Spring<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Resumption of road coverage in spring. Important: do not take the RV out before reactivation, otherwise not covered.<\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><span class=\"ez-toc-section\" id=\"Travel-to-the-United-States-%E2%80%94-Essential-Rules\"><\/span>Travel to the United States \u2014 Essential Rules<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0;\">\n<div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;font-family:'Sora',sans-serif;\">1<\/div><div><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Check the Maximum Covered Duration<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">30, 60, 90, 120, or 180 consecutive days depending on the insurer. Snowbirds: aim for a minimum of 120-180 days for Florida.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;font-family:'Sora',sans-serif;\">2<\/div><div><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Declare the Destination<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Florida, Arizona, Texas: generally covered. Mexico: very rarely covered by Quebec RV insurers \u2014 check before you leave.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;font-family:'Sora',sans-serif;\">3<\/div><div><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Increase Liability Coverage<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Claims in the USA can reach several million USD. Recommended minimum: $5M. Ideally $10M for extended stays in Florida.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;font-family:'Sora',sans-serif;\">4<\/div><div><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Plan for Cross-Border Roadside Assistance<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Breakdowns, specialized RV towing in the USA: not all insurers offer this. It is often a paid option.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;margin-bottom:24px;\"><div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;font-family:'Sora',sans-serif;\">5<\/div><div><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 8px;\">Document Before Leaving<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Photos of the RV, personal belongings, equipment. Insurance card + pink card (Canadian Non-Resident Inter-Province Motor Vehicle Liability Insurance Card) for the border.<\/p><\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><span class=\"ez-toc-section\" id=\"Quebec-Snowbird-%E2%80%94-RV-Insurance-for-Florida-and-Arizona\"><\/span>Quebec Snowbird \u2014 RV Insurance for Florida and Arizona<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0;\">\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Florida \u2014 long stay (3-6 months)<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Aim for 180 days of coverage in the USA, $5 to $10 million in liability, and specialized RV roadside assistance.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Arizona \/ Texas \u2014 moderate stay<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">120 days generally cover the season. Same liability threshold as for Florida.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Snowbird in Class A motorhome<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">The premium increases with value and duration. An annual policy with 180 days in the USA typically costs $1,800 to $3,500\/year.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Snowbird in a towed 5th wheel<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">The towing vehicle must also be covered in the USA. Check the auto policy separately.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Personal belongings while traveling<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Often high (bikes, BBQ, electronics). Increase the limit to $10,000-$25,000 for the duration of the stay.<\/p><\/div><div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:14px;padding:24px;\"><h3 style=\"font-family:'Sora',sans-serif;font-size:18px;font-weight:700;color:#0d1f2d;margin:0 0 12px;\">Separate medical insurance<\/h3><p style=\"font-size:15px;color:#475569;line-height:1.7;margin:0;\">Important: RV insurance does NOT cover your medical expenses in the USA. Purchase travel medical insurance in addition.<\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><span class=\"ez-toc-section\" id=\"USA-Coverage-Comparison-by-RV-Insurer-indicative\"><\/span>USA Coverage Comparison by RV Insurer (indicative)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:15px;color:#475569;line-height:1.7;\">Typical policies observed in the Quebec market. The exact details depend on the chosen product \u2014 confirm with your insurance broker.<\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n<table style=\"width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;font-size:14px;\">\n<thead style=\"background:#0d1f2d;color:#fff;\"><tr><th style=\"text-align:left;padding:14px 16px;font-family:'Sora',sans-serif;font-size:14px;font-weight:700;\">Criteria<\/th><th style=\"text-align:left;padding:14px 16px;font-family:'Sora',sans-serif;font-size:14px;font-weight:700;\">Base Policy<\/th><th style=\"text-align:left;padding:14px 16px;font-family:'Sora',sans-serif;font-size:14px;font-weight:700;\">Snowbird Policy<\/th><th style=\"text-align:left;padding:14px 16px;font-family:'Sora',sans-serif;font-size:14px;font-weight:700;\">Note<\/th><\/tr><\/thead>\n<tbody><tr style=\"background:#ffffff;\"><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Consecutive USA Duration<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">30 days<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">120 to 180 days<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Criterion #1 for snowbirds<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Liability<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">$2 million<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">$5 to $10 million<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">USA = very high claims<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">USA Roadside Assistance<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Limited<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Extensive (RV towing)<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Breakdowns in rural USA<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Personal Belongings<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">$5,000<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">$10,000 to $25,000<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Snowbirds = more equipment<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Wintering Discount<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">No<\/td><td style=\"padding:14px 16px;color=#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Often yes (5-15%)<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">If RV stored upon return<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Typical Annual Premium (Class A motorhome)<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">$1,100 &#8211; $1,800<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">$1,800 &#8211; $3,500<\/td><td style=\"padding:14px 16px;color:#475569;font-size:14px;border-bottom:1px solid #e2e8f0;\">Depending on value and duration<\/td><\/tr><\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0;\">\n<details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\"><summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">How many days can my RV stay in the United States?<\/summary><div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Depending on your insurance policy, the maximum consecutive duration in the USA varies from 30 to 180 days. Snowbirds spending the winter in Florida must absolutely purchase a policy providing for a minimum of 120 or 180 days.<\/div><\/details><details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\"><summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Is the winter discount automatic?<\/summary><div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">No, it must be requested. Several insurers offer a 5% to 15% discount if the RV is stored during the winter (typically November to March), but this discount must be negotiated with your insurance broker.<\/div><\/details><details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\"><summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Is my RV covered when stored in a warehouse?<\/summary><div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Yes, provided that the fire\/theft coverage remains active (it is by default unless requested otherwise). The storage location must be declared to the insurer (secure warehouse, yard, lot).<\/div><\/details><details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\"><summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Does RV insurance cover medical expenses in the USA?<\/summary><div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">No. RV insurance covers your RV, your liability, and your personal belongings. For medical expenses abroad, you must purchase separate travel medical insurance, ideally multi-trip for snowbirds.<\/div><\/details><details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\"><summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">What is the minimum liability coverage for traveling in the USA?<\/summary><div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">$5 million minimum recommended. For extended stays in Florida or a high-value RV, aim for $10 million. Claims in the USA can reach several million USD.<\/div><\/details><details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\"><summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Is my RV covered in Mexico?<\/summary><div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Very rarely by Quebec RV policies. To cross into Mexico, you generally need to purchase specific Mexican RV insurance. Check before departure.<\/div><\/details><details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\"><summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">What happens if I exceed the duration in the USA specified in my policy?<\/summary><div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">You risk being uninsured during the out-of-limit period. Before extending a stay, contact your broker to extend the coverage \u2014 this is usually possible for an adjustment in premium.<\/div><\/details><details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;\"><summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-family:'Sora',sans-serif;font-size:16px;\">Does the RV need to remain registered in Quebec during a stay in the USA?<\/summary><div style=\"padding:20px 24px;color:#475569;font-size:15px;line-height:1.8;\">Yes. The Quebec license plate and valid registration are mandatory. The Quebec driver&#8217;s license is sufficient to drive in the USA (tourist \u2264 6 months).<\/div><\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-family:'Sora',sans-serif;font-size:30px;font-weight:800;color:#0d1f2d;margin:48px 0 24px;\"><span class=\"ez-toc-section\" id=\"Why-choose-Assur360\"><\/span>Why choose Assur360<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;border-radius:14px;padding:32px;margin:24px 0;\">\n  <ul style=\"list-style:none;padding:0;margin:0;color:#0d1f2d;font-size:16px;line-height:2;\">\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>Independent comparison platform<\/strong>: we compare over 9 insurance companies for you<\/li>\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>AMF certified partner firms<\/strong> and Chamber of Insurance<\/li>\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>100,000+ Quebecers<\/strong> have already trusted our network<\/li>\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>Free service<\/strong>, no hidden fees, no commitment<\/li>\n    <li style=\"padding-left:32px;position:relative;\"><span style=\"position:absolute;left:0;color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>Quote in 3 minutes<\/strong>, online or by phone<\/li>\n  <\/ul>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:48px 0;\">\n  <h2 style=\"color:#fff;font-size:26px;font-family:'Sora',sans-serif;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Ready-to-compare-your-RV-insurance\"><\/span>Ready to compare your RV insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;font-size:16px;\">Free quote, no commitment, in less than 3 minutes<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vr-en-ligne\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 40px;border-radius:50px;font-weight:700;font-size:16px;text-decoration:none;margin-right:12px;\">Get my quote \u2192<\/a>\n  <a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;border:2px solid #fff;color:#fff;padding:14px 38px;border-radius:50px;font-weight:700;font-size:16px;text-decoration:none;\">1-866-357-4451<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin:48px 0;\">\n<a href=\"https:\/\/www.assur360.ca\/assurance-vehicule-recreatif\/\" style=\"display:block;background:#f8fafc;border-radius:14px;padding:24px;text-decoration:none;border:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;\">HUB RV<\/div><div style=\"color:#0d1f2d;font-size:17px;font-weight:700;\">RV insurance in Quebec \u2192<\/div><\/a><a href=\"https:\/\/www.assur360.ca\/assurance-motorise\/\" style=\"display:block;background:#f8fafc;border-radius:14px;padding:24px;text-decoration:none;border:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;\">MOTORHOME<\/div><div style=\"color:#0d1f2d;font-size:17px;font-weight:700;\">Class A\/B\/C motorhome insurance \u2192<\/div><\/a><a href=\"https:\/\/www.assur360.ca\/prix-assurance-vr\/\" style=\"display:block;background:#f8fafc;border-radius:14px;padding:24px;text-decoration:none;border:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;\">PRICE<\/div><div style=\"color:#0d1f2d;font-size:17px;font-weight:700;\">RV insurance prices in Quebec 2026 \u2192<\/div><\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>RV Insurance: Winter Storage and Travel to the United States 2026 Are you storing your RV for the winter or heading south [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"RV Wintering Travel Insurance USA 2026 \u2014 Snowbirds Quebec","_seopress_titles_desc":"RV insurance for wintering in Quebec and travel USA 2026 (Florida, Arizona, Texas): snowbird coverage, duration, wintering discounts. Compare 9+ 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