What You Need to Know About Seasonal Insurance

July 5, 2022

Seasonal insurance helps protect you, your property, and your belongings.

At Western, we take pride in exceeding expectations by delivering the right insurance solution at every opportunity. Because we care.

We will help you find out what’s covered seasonally under Autopac or your personal insurance so that you will be ready to safely enjoy the warm weather.

Camper trailers

A camper trailer that you pull behind your car or truck or an RV that you drive is added to your car insurance coverage, not your home insurance policy.

To be eligible for Autopac coverage, your camper trailer must be mobile and capable of being towed on its own wheels.

Camper trailers are also referred to as:

Travel trailers
Fifth wheels
Recreation vehicles (towed RVs only)
Campers

If you are unsure or need more information about Autopac coverage of your camper trailer, speak to your Wyatt Dowling insurance expert.

Camper trailer as a seasonal home

Trailers that have been converted into a seasonal, or permanent residence, and can’t be moved or driven somewhere are not eligible for Autopac coverage.

If you use your camper as a seasonal home, coverage should be added under your homeowner policy.

Coverage provided under your homeowner policy includes:

Named perils or fire and extended coverages are available for physical damage to your camper.

Third-party liability coverage when the camper is detached from your car or truck.

How long is your trailer?

Too long and too big -- it’s not eligible for Autopac coverage.

A trailer longer than 12.5 meters (41 feet), or wider than 2.60 meters (8 feet 6 inches), or higher than 4.15 meters (13 feet 6 inches) isn’t eligible for licence plates, insurance, and interim or temporary registration permits.

What’s the exception? Fifth wheel recreational trailers with a pin-type coupler are an exception to this rule and are allowed to be 14.6 metres (48 feet).

Remember that if your trailer weighs more than 4,540 kg, you must have a class 3 driver’s licence, which is necessary to tow a trailer of this size.