{"id":15956,"date":"2021-12-29T11:16:59","date_gmt":"2021-12-29T16:16:59","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/non-categorise\/trailer-insurance-2\/"},"modified":"2026-04-21T14:20:42","modified_gmt":"2026-04-21T18:20:42","slug":"trailer-insurance-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/insurance\/trailer-insurance-2\/","title":{"rendered":"Trailer insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"telephone\":\"+1-866-357-4451\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\"areaServed\":\"Qu\u00e9bec\",\"priceRange\":\"$$\",\"description\":\"Courtier d'assurance certifi\u00e9 AMF au Qu\u00e9bec, sp\u00e9cialis\u00e9 en assurance roulotte, caravane, 5e roue et tente-caravane.\"}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance\/roulotte\/#article\",\"headline\":\"Assurance roulotte au Qu\u00e9bec : guide complet 2026\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance\/roulotte\/\",\"datePublished\":\"2021-12-29T11:16:59\",\"dateModified\":\"2026-04-21T12:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec, propri\u00e9taire d'Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"width\":200,\"height\":60}},\"inLanguage\":\"fr-CA\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"description\":\"Assurance roulotte au Qu\u00e9bec : couvertures, prix, diff\u00e9rences avec l'assurance auto, 5e roue, hybride, entreposage hivernal, voyage USA, FAQ 12 questions.\"}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">VR ET MOTORIS\u00c9<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Assurance v\u00e9hicule r\u00e9cr\u00e9atif<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">Motoris\u00e9, caravane, autocaravane, roulotte : couverture sp\u00e9cialis\u00e9e.<\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"\/?page_id=17173\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Soumission VR<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/02\/quad-vr-courtier-assurance.png\" alt=\"Orso, courtier d'assurance VR et motoris\u00e9\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\" \/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.7;\">Your <strong>trailer<\/strong> represents thousands of dollars of investment and countless family memories. But be careful: a <strong>traditional car insurance policy<\/strong> is not enough to protect it once detached from your towing vehicle. Whether you drive a <strong>conventional trailer, 5th wheel, hybrid or tent trailer<\/strong>, Assur360, an <a href=\"https:\/\/lautorite.qc.ca\/\" rel=\"noopener\">AMF-certified<\/a> firm, finds the best <a href=\"https:\/\/www.assur360.ca\/en\/recreational-vehicle-insurance-3\/\">trailer insurance in Quebec<\/a> for you among 30+ insurers. <a href=\"https:\/\/www.assur360.ca\/en\/online-rv-insurance-quote\/\">Get your trailer quote in 3 minutes<\/a>.  <\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2021\/12\/Assurance-roulotte-au-Quebec.png\" alt=\"Small white caravan on a turquoise background.\" class=\"wp-image-20861\"  sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\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;\">QUEBEC TRAILER INSURANCE<\/p>\n  <h2 style=\"color:#fff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-trailer-hitched-or-parked\"><\/span>Protect your trailer, hitched or parked<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare 30+ insurers that specialize in caravans, 5th wheelers and tent trailers. Up to 25% savings on your premium. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-rv-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my trailer quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">30+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Quick Quote<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">25 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Avg savings.<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">AMF Brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-trailer-insurance\"><\/span>What is trailer insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>Trailer insurance<\/strong> is a specialized policy that covers <strong>towed<\/strong> (non-motorized) trailers against damage, theft, fire, vandalism, bad weather and engages your civil liability when the trailer is parked on a campground or at home. Unlike a <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/the-importance-of-rv-insurance\/\">conventional motorhome<\/a>, a trailer does not have an engine and depends on a towing vehicle to get around. This creates <strong>two very distinct insurance contexts<\/strong>: hitched (partially covered by your car policy) and detached (requires its own policy).  <\/p>\n\n<p class=\"wp-block-paragraph\">In Quebec, trailer insurance is <strong>not mandatory by law<\/strong>, but it is <strong>strongly recommended<\/strong> by the <a href=\"https:\/\/lautorite.qc.ca\/\" rel=\"noopener\">AMF<\/a> and often required by lenders when the trailer is financed. Given the average value of a family trailer ($30,000 to $80,000), an adapted policy costs from $25 per month, which is still marginal compared to the risk of total loss. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-5-types-of-trailers-and-their-specificities\"><\/span>The 5 types of trailers and their specificities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The term &#8220;trailer&#8221; includes several categories of towed caravans. Each one involves <strong>different pricing and coverage<\/strong>. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude99<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Conventional trailer<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Caravan towed by ball hitch. 5 to 11 metres, $15,000 to $80,000. The most common in Quebec. Towable by pick-up or SUV.   <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udefb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">5th wheel (fifth-wheel)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Floor hitch on the pick-up box. 8 to 13 metres, $40,000 to $150,000. Very spacious and stable en route.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u26fa<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Hybrid \/ Tent Trailer<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Rigid walls and fabric extensions. 4 to 6 metres, $15,000 to $35,000. Weight\/space compromise, ideal for small SUVs.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfd5\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Ultra-light<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Trailer weighing less than 1,500 kg. 4 to 7 metres, $18,000 to $40,000. Towable by sedans and compact SUVs.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udca7<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Pop-up (teardrop)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Mini caravan in the shape of a teardrop. 3 to 4 metres, $10,000 to $25,000. For adventurous couples.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddf0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Toy hauler<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Trailer with integrated garage for ATV, motorcycle or personal watercraft. 7 to 12 metres, $50,000 to $120,000. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is-my-trailer-covered-by-my-car-insurance-policy\"><\/span>Is my trailer covered by my car insurance policy?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">This is THE question that all caravan owners ask themselves. Short answer: <strong>yes, but only partially, and only when harnessed<\/strong>. Here is the rule in detail.  <\/p>\n\n<p class=\"wp-block-paragraph\">When your trailer is <strong>hitched to your towing vehicle and on the move<\/strong>, the <strong>liability<\/strong> portion of your automobile policy usually extends to the trailer. In other words, if you cause an accident with the trailer, the damage you cause to others will be covered by your car insurance. But as soon as the trailer is <strong>detached and parked<\/strong> (at the campsite, in your backyard, at a friend&#8217;s house), it is no longer covered by your standard car policy. Then you need dedicated <strong>trailer insurance<\/strong>.   <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#fff;\"><th style=\"padding:14px 16px;text-align:left;\">Situation<\/th><th style=\"padding:14px 16px;text-align:left;\">Standard car policy<\/th><th style=\"padding:14px 16px;text-align:left;\">Dedicated trailer policy<\/th><\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Trailer on the move<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Civil liability included<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Property damage + liability<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Collision with Trailer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">No Trailer Damage Coverage<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Full Coverage<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Trailer detached to the campsite<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Not covered<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Damage + theft + site liability<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Theft of parked trailer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Not covered<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Covered for all risks<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Hail, falling trees, fire<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Not covered<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Covered with all risks<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Winter Storage<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Uncovered<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Covered (frost, rodents, vandalism)<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Personal Contents Inside<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Not Covered<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Personal Effects Endorsement<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Costly mistake to avoid<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Never assume that your home insurance covers your trailer parked in the backyard. <strong>Most home policies exclude RVs and trailers<\/strong> from the scope of coverage, even on your own property. A dedicated trailer font is a must.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-coverage-of-trailer-insurance\"><\/span>Essential coverage of trailer insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A good trailer insurance policy in Quebec is built around <strong>6 major coverages<\/strong>, some of which are included automatically and others as an option.<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">All risks<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Covers collision, theft, fire, vandalism, hail, falling trees and natural phenomena. The most comprehensive protection. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Civil liability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Protects if a visitor is injured in your trailer at the campsite (recommended $1 to $2 million).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf92<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Personal belongings<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Clothing covers, electronics, bikes, BBQ, all contents ($3,000 to $20,000).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc8e<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Agreed Value<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Reimbursement without depreciation in the event of a total loss. Recommended for trailers over $40,000. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude9a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Roadside Assistance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Specialized towing and breakdown assistance, essential for 5th wheels and large caravans.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\uddfa\ud83c\uddf8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">USA Coverage<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Territorial extension for extended stays in Florida, Arizona or Texas.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-is-the-price-of-trailer-insurance-calculated\"><\/span>How is the price of trailer insurance calculated?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The premium depends essentially on <strong>7 criteria<\/strong> analysed by our partner insurers. Each can vary the price from 10 to 40%. <\/p>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Type and length<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A 16&#8242; tent trailer costs much less to insure than a 35&#8242; 5th wheel. The market value dictates the replacement cost. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Age and condition<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A new trailer is more expensive to insure than a 10-year trailer, but often offers better value in the event of a loss.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Usage<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Seasonal (June to September), annual or main residence: the premium can double depending on the frequency of use.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Storage location<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Secure indoor storage < private fenced yard < public parking. Insurers often offer 10 to 20% off for protected storage. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Anti-theft devices<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Drawbar lock, GPS tracker, locking wheel key: discounts are offered depending on the equipment installed.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">6<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Owner Profile<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Age, travel trailer driving experience, claims history, bundling with home and auto insurance.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">7<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Territory of use<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Quebec only, Canada or USA? Extended trips to the south increase the premium by 15 to 30 per cent. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Price-Grid-%E2%80%94-Trailer-Insurance-in-Quebec-2026\"><\/span>Price Grid \u2014 Trailer Insurance in Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#fff;\"><th style=\"padding:14px 16px;text-align:left;\">Length \/ Type<\/th><th style=\"padding:14px 16px;text-align:left;\">Typical Value<\/th><th style=\"padding:14px 16px;text-align:left;\">Current Coverage<\/th><th style=\"padding:14px 16px;text-align:left;\">Monthly Premium<\/th><th style=\"padding:14px 16px;text-align:left;\">Notes<\/th><\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">\u2264 16&#8242; (pop-up, teardrop)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$10,000 to $20,000All<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">basic perils<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$12 to $25Watch<\/strong><\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">for canvas breakage<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">17-21 ft. (tent trailer)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$15,000 to $30,000All<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">perils + personal belongings<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$18 to $35Drawbar<\/strong><\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">lock recommended<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">22-25 ft (classic trailer)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$25,000 to $45,000All<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">perils + loss of use<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$25 to $45Awning<\/strong><\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">and solar panels to be declared<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">26-29 ft (family)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$35,000 to $60,000All<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">perils + equipment<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$30 to $55Advantageous<\/strong><\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">secure parking<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">30-34 ft. (large trailer)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$45,000 to $80,000All<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">perils + rental liability<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$38 to $70High<\/strong><\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">value and repair<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">\u2265 35&#8242; \/ 5th wheel<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$60,000 to $150,000+<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">All perils + agreed value<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>$45 to $90GPS<\/strong><\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">lock often required<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><em>Source: Assur360 2026 estimates, driver profile 35-60 years old without claims, seasonal use, secure storage. Your actual premiums may vary. <\/em><\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Saving Tip<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Bundling your <strong style=\"color:#fff;\">car, home and trailer insurance<\/strong> with the same insurer through Assur360 can lower your overall premium by 10 to 20%. Ask your broker to simulate the consolidated price. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Winter-storage-of-your-trailer-points-to-watch-out-for\"><\/span>Winter storage of your trailer: points to watch out for<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Between November and April, your trailer is usually put into storage. However, <strong>nearly 20% of trailer claims occur during the winter<\/strong>. Here are the risks to anticipate and the best practices to adopt:  <\/p>\n\n<ul class=\"wp-block-list\">\n  <li><strong>Rodents<\/strong> : Mice and field mice love electrical wiring and insulation. Solution: airtight air cap, repellents, traps. <\/li>\n  <li><strong>Frozen pipes<\/strong> : Drain water tanks completely and add non-toxic RV antifreeze.<\/li>\n  <li><strong>Collapse of the roof<\/strong> under the weight of accumulated snow: shovel regularly or use a temporary shelter.<\/li>\n  <li><strong>Theft<\/strong> : a mechanical drawbar lock ($100 to $300) and a GPS tracker ($150 to $400) drastically reduce the risk.<\/li>\n  <li><strong>Water infiltration<\/strong> : check the seals and roof for tightness before storage.<\/li>\n  <li><strong>Vandalism<\/strong> : Prefer a fenced site or indoor storage at a dealership.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Make sure your policy <strong>maintains comprehensive and theft coverage during the storage period<\/strong>. Some budget policies reduce coverage during winterization, which can leave you exposed. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Travelling-to-the-USA-with-your-caravan-what-you-need-to-know\"><\/span>Travelling to the USA with your caravan: what you need to know<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Many Quebecers <strong>go to Florida<\/strong>, <strong>Texas<\/strong> or <strong>Arizona<\/strong> to winter with their trailer hitched to a pick-up. Before crossing the border, validate these points with your Assur360 broker: <\/p>\n\n<ul class=\"wp-block-list\">\n  <li>The maximum duration of U.S. territorial coverage (often 30 days, extendable by amendment).<\/li>\n  <li><strong>Civil liability<\/strong> must be raised to a minimum of $2 million (American lawsuits are expensive).<\/li>\n  <li>Keep your <strong>bilingual proof of insurance<\/strong> (often referred to as the &#8220;Canadian non-resident inter-province motor vehicle liability insurance card&#8221;) on board.<\/li>\n  <li>Purchase separate <a href=\"https:\/\/www.assur360.ca\/en\/quebec-travel-insurance-2026-medical-cancellation-and-repatriation\/\">travel medical insurance<\/a> ( <a href=\"https:\/\/www.ramq.gouv.qc.ca\/\" rel=\"noopener\">RAMQ<\/a> only reimburses a tiny fraction of U.S. hospital costs).<\/li>\n  <li>Think <strong>of USA Roadside Assistance<\/strong>, which is rare in basic policies.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-the-advantage-of-using-a-caravan-for-camping\"><\/span>What is the advantage of using a caravan for camping?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ol class=\"wp-block-list\">\n  <li><strong>Comfort<\/strong> : beds, kitchen, bathroom, heating and air conditioning for a 4-season campsite.<\/li>\n  <li><strong>Flexibility<\/strong> : change <a href=\"https:\/\/www.sepaq.com\/\" rel=\"noopener\">your S\u00c9PAQ campsite<\/a> or <a href=\"https:\/\/parcs.canada.ca\/\" rel=\"noopener\">Park Canada<\/a> without disassembling.<\/li>\n  <li><strong>Protection<\/strong> : safe from insects, weather and wildlife.<\/li>\n  <li><strong>Price<\/strong> : much more affordable to buy than a second home or a motorhome.<\/li>\n  <li><strong>Storage<\/strong> : Built-in storage that&#8217;s superior to a tent, ideal for long stays.<\/li>\n  <li><strong>Family<\/strong> : private spaces for everyone, while staying together.<\/li>\n  <li><strong>Accessibility<\/strong> : allows the elderly or people with reduced mobility to travel.<\/li>\n  <li><strong>Resale<\/strong> : RV resale market very active in Quebec, solid resale value.<\/li>\n<\/ol>\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;\">QUICK QUOTE<\/p>\n  <h3 style=\"color:#fff;font-size:26px;margin:0 0 16px;\">Your trailer insurance price in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our AMF brokers compare 30+ insurers specializing in caravans, 5th wheels and hybrids.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-rv-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my trailer quote<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Trailer-insurance-anywhere-in-Quebec\"><\/span>Trailer insurance anywhere in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Our <strong>trailer insurance<\/strong> brokers serve all regions of Quebec, especially the most popular vacation areas and tourist routes. Whether you&#8217;re camping on the shores of <strong>Lake Memphremagog<\/strong>, in the <strong>Laurentians<\/strong>, the <strong>Magdalen Islands<\/strong> or the <strong>Gasp\u00e9 Peninsula<\/strong>, we&#8217;ll find the right font for your use. <\/p>\n\n<p class=\"wp-block-paragraph\">Assur360 insures your trailer in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Terrebonne<\/strong>, <strong>Saint-Jean-sur-Richelieu<\/strong>, <strong>Magog<\/strong>,              <strong>Mont-Tremblant<\/strong>, <strong>Drummondville<\/strong>, <strong>Granby<\/strong>, <strong>Rimouski<\/strong>, <strong>Thetford Mines<\/strong> and everywhere else in Quebec. Our brokers know <strong>the S\u00c9PAQ campgrounds<\/strong>, wildlife <strong>reserves, private campgrounds in the Eastern Townships<\/strong> and the popular sites of the <strong>Mauricie<\/strong>, <strong>Bas-Saint-Laurent<\/strong> and <strong>Charlevoix<\/strong> regions. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Go-further\"><\/span>Go further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/recreational-vehicle-insurance-3\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">RV Insurance Main Page<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Complete product page with all motorhome and trailer covers.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/the-importance-of-rv-insurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">The importance of RV insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">For Class A, B or C motorhomes and other recreational vehicles.<\/p>\n  <\/a>\n  <a href=\"\/assurance-automobile\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Your pickup or SUV towing the trailer needs a good car police.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Home insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Bundle with your home policy to save up to 20%.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ-%E2%80%94-Trailer-Insurance-in-Quebec\"><\/span>FAQ \u2014 Trailer Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is trailer insurance mandatory in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, it is not required by Quebec law since the trailer does not have an engine. However, it is strongly recommended and often required by lenders when the caravan is financed. <a href=\"https:\/\/www.sepaq.com\/\" rel=\"noopener\">S\u00c9PAQ campgrounds<\/a> may also require proof of civil liability to access the site.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How is the cost of trailer insurance calculated?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The cost depends on 7 main factors: trailer type and length, age, value, use (seasonal\/annual), storage location, anti-theft devices and owner profile. On average, expect to pay between $25 and $70 per month for a 22- to 30-foot family trailer. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can we insure a trailer used year-round?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, but the cost and conditions vary: the insurer will consider the caravan as your main residence, which can increase the premium by 30 to 50% compared to seasonal use. Always declare this use, otherwise your claims may be denied for misrepresentation. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does trailer insurance cover bad weather?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, comprehensive policies cover hail, storm, wind, falling trees, flooding and some frost protection. However, check the exclusions: some insurers exclude damage due to poor maintenance (e.g. leaky roof joints). <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What coverage is usually included in trailer insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Typically: damage to the caravan (collision, fire, theft, vandalism), civil liability ($1 to $2 million), and optional personal effects, approved value, roadside assistance, USA territorial coverage.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why take out trailer insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">To protect an asset of $20,000 to $150,000, avoid heavy losses in the event of theft or loss, benefit from roadside assistance while travelling, and protect yourself from civil lawsuits in the event of a camping accident. It&#8217;s peace of mind starting at $15 per month. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What exactly is trailer insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It is a policy dedicated to towed (non-motorized) caravans: conventional, 5th wheel, hybrid, tent-caravan, ultra-light, toy hauler. It replaces and complements your car insurance, which only partially covers the trailer when hitched up on the go. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between trailer insurance and motor insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A motorhome (class A, B or C) has an engine and a car chassis: it must be registered and insured for civil liability with the <a href=\"https:\/\/saaq.gouv.qc.ca\/\" rel=\"noopener\">SAAQ<\/a>. A trailer is towed, has no engine and its insurance is optional but recommended. Check out our <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/the-importance-of-rv-insurance\/\">guide to RV insurance<\/a> for more details.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can you rent your caravan to third parties (Airbnb, RVezy)?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, but you must declare this commercial use to your insurer and take out a &#8220;rental&#8221; endorsement or a commercial policy. A false declaration will result in the rejection of the claim. Some insurers refuse this type of use outright.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How to insure an occasionally rented trailer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If you are renting a trailer for a trip, the rental company (dealer or individual) must provide basic insurance. You can purchase temporary top-up coverage for the duration of the lease, offered by some specialized insurers. Ask Assur360 for options.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is my trailer covered when I store it in my yard?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Only if you have active trailer insurance. Home insurance almost never covers RVs and trailers parked on your property, even for theft or vandalism. Keep your trailer policy open all year round to avoid unpleasant surprises.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I drive in the USA with my Quebec trailer insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, the majority of policies cover stays in the United States for up to 30 days. For a complete winterization in Florida or Arizona, add a &#8220;USA Extended Stay&#8221; endorsement and increase your liability to $2 million. Also purchase separate travel medical insurance.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How can I lower the price of my trailer insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Group your policies (car + home + trailer), store in a secure site (shelter, professional storage), install a drawbar lock and a GPS tracker, increase your deductible, and above all have your file compared by an Assur360 broker with 30+ insurers.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"L'assurance roulotte est-elle obligatoire au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, elle n'est pas obligatoire par la loi, mais fortement recommand\u00e9e et souvent exig\u00e9e par les pr\u00eateurs et certains campings pour la responsabilit\u00e9 civile.\"}},{\"@type\":\"Question\",\"name\":\"Comment le co\u00fbt de l'assurance roulotte est-il calcul\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le co\u00fbt d\u00e9pend du type, de la longueur, de la valeur, de l'\u00e2ge, de l'usage, du lieu de remisage, des antivols et du profil propri\u00e9taire. Entre 25 $ et 70 $ par mois pour une roulotte familiale.\"}},{\"@type\":\"Question\",\"name\":\"Peut-on assurer une roulotte utilis\u00e9e \u00e0 l'ann\u00e9e ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, mais la prime peut \u00eatre 30 \u00e0 50 % plus \u00e9lev\u00e9e qu'un usage saisonnier. L'usage doit \u00eatre d\u00e9clar\u00e9 \u00e0 l'assureur pour \u00e9viter un refus de r\u00e9clamation.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance roulotte couvre-t-elle les intemp\u00e9ries ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, les polices tous risques couvrent gr\u00eale, temp\u00eate, vent, chute d'arbre et inondation. Les dommages dus \u00e0 un entretien d\u00e9ficient peuvent toutefois \u00eatre exclus.\"}},{\"@type\":\"Question\",\"name\":\"Quelles couvertures sont incluses dans une assurance roulotte ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dommages \u00e0 la caravane (collision, feu, vol, vandalisme), responsabilit\u00e9 civile, effets personnels, valeur agr\u00e9\u00e9e, assistance routi\u00e8re, couverture USA.\"}},{\"@type\":\"Question\",\"name\":\"Pourquoi souscrire une assurance roulotte ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour prot\u00e9ger un actif de 20 000 $ \u00e0 150 000 $, \u00e9viter les pertes en cas de vol ou sinistre, b\u00e9n\u00e9ficier d'assistance routi\u00e8re et se pr\u00e9munir contre les poursuites civiles.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce que l'assurance roulotte ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une police d\u00e9di\u00e9e aux caravanes tract\u00e9es (conventionnelle, 5e roue, hybride, tente-caravane, ultra-l\u00e9ger, toy hauler), qui compl\u00e8te l'assurance auto lorsque la roulotte est d\u00e9tach\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Quelle diff\u00e9rence entre assurance roulotte et motoris\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un motoris\u00e9 a un moteur et doit \u00eatre assur\u00e9 obligatoirement. Une roulotte tract\u00e9e n'a pas de moteur, son assurance est facultative mais fortement recommand\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Peut-on louer sa roulotte \u00e0 des tiers ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, mais l'usage commercial doit \u00eatre d\u00e9clar\u00e9 \u00e0 l'assureur et couvert par un avenant location ou une police commerciale.\"}},{\"@type\":\"Question\",\"name\":\"Comment assurer une roulotte lou\u00e9e occasionnellement ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le loueur fournit l'assurance de base, mais une couverture compl\u00e9mentaire temporaire peut \u00eatre souscrite chez un assureur sp\u00e9cialis\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Ma roulotte est-elle couverte quand je la stocke dans ma cour ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Seulement avec une assurance roulotte active. L'assurance habitation ne couvre presque jamais les VR et caravanes stationn\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je rouler aux USA avec mon assurance roulotte qu\u00e9b\u00e9coise ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, jusqu'\u00e0 30 jours habituellement. Pour un hivernage prolong\u00e9, un avenant USA et une RC rehauss\u00e9e \u00e0 2 M$ sont recommand\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"Comment faire baisser le prix de mon assurance roulotte ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Regrouper les polices, remiser dans un site s\u00e9curis\u00e9, installer un antivol de timon et un GPS, augmenter la franchise et faire comparer par un courtier Assur360.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why choose Assur360 for your trailer insurance?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in QC<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Caravan and 5th wheel<\/strong> specialists<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Phone: <strong>1-866-357-4451<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\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<\/p>\n  <h3 style=\"color:#fff;font-size:28px;margin:0 0 16px;\">Ready to protect your trailer at the best price?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">3 minutes for submission. Savings over the entire camping season. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-rv-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">My trailer<\/a>\n quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #fff;\">1-866-357-4451<\/a>  \n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blogue\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Assurance roulotte\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Your trailer represents thousands of dollars of investment and countless family memories. But be careful: a traditional car insurance policy is not [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20846,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Trailer insurance in Quebec 2026: starting at $15\/month | Assur360","_seopress_titles_desc":"Quebec trailer insurance: conventional, 5th wheel, hybrid. Blankets, 2026 prices, wintering, USA.  Compare 30+ insurers in 3 minutes.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Trailer insurance","_seopress_social_fb_desc":"Compare the best insurance offers in Quebec. AMF certified broker.  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