Recreational & Lifestyle Insurance
Coverage for the things that bring joy, freedom, and security.
Recreational Insurance in St. Paul, AB
One size of insurance doesn’t quite fit all, and it shouldn’t. V.B. Insurance Brokers offers personalized coverage built around your real needs, whether you’re protecting your home, business, or the adventures that make life fun.
Our job is to make insurance feel simple, helpful, and human. We try to NOT fill our conversations with any jargon or pressure, and really just want to provide reliable coverage for the things that matter the most to you.
Lifestyle and Travel Insurance
Life isn’t just about the 9-to-5. We know the importance of life’s personal journeys, outdoor fun, travel, and the what-ifs, and we try to offer succinct protection for all of them.
Motorcycle Insurance
Protect your ride and get on the road.
Whether it’s brand new, or new to you, you can get coverage for your bike and coverage for your accessories and/or PPE.
Watercraft Insurance
Marine insurance is unique to the other markets, and whether you’re adding your vessel to an existing policy, or writing a new one, you should have coverage that fits your needs. From jet skis to cabin cruisers, call us for a tailored protection plan.
Snowmobiles, UTVs, ATVs and Dirt bikes
Did you know that you need liability insurance if you want to drive on public land? Failure to produce proof of insurance can mean fines and possible seizure of equipment. Let us save you the headache.
Travel Insurance
You should be focused on your adventure without having to worry about the wrong things happening. At V.B. Insurance Brokers, we help you pack peace of mind on your trip, so you can be covered for medical expenses, and trip cancellation or interruption while on vacation.
Special Event Liability
We recognize that every insured’s need will be different and no two events are the exact same which is why we offer a tailored policy for a short term or singular occurrence while considering many different types of operations that can take place. Whether you need coverage for a small birthday party, graduation, rodeo or a wedding, we can find the coverage that best suits your special event.
Recreational Insurance FAQ
Frequently asked questions about Recreational Insurance in Alberta.
Do I need insurance on my RV, trailer, or camper?
Motorhomes are required by law to carry liability and accident benefits in order to be on the road.
Travel trailers and campers do not require you to insure them, but coverage is recommended to protect them from perils.
What kind of coverage is available for boats or watercraft?
- All Risk, Replacement Cost on partial losses for vessels newer than 10 years of age
- GRC is available for new boats – subject to qualification
- A separate Additional $1 million limit for pollution / spill liability included
- Waterski liability included within P&I limit (not sub-limited)
- True Marine P&I (Liability) protection ( incl. removal of wreck coverage)
- Consequential Property Damage Protection – unique policy language that affords coverage for basic marine perils regardless of cause, even wear & tear
- Vermin & Marine life damage is covered
- Freezing damage covered where appropriate precautions taken
- Uninsured Boaters coverage
- Emergency Towing
- Loss of Use
- Newly acquired vessel coverage automatically included
- Medical Payments and Accidental Death Benefits coverage
Is travel insurance necessary when traveling within Canada?
Provincial healthcare provides limited coverage for medical treatment and hospital costs outside of your home province. Some provincial healthcare plans won’t even cover expenses like ambulance services, ER fees, emergency dental treatment and prescription drugs.
What does travel medical insurance usually cover?
Hospitalization and treatment for medical emergencies, including COVID-19, Ground, air or sea ambulance services, X-rays and other diagnostic laboratory tests, Prescription drugs, Essential medical supplies such as crutches, Fracture treatment benefit, Other professional medical services like physio, etc. to relieve an acute emergency, Emergency dental services, and many more.
What’s the difference between travel interruption and travel cancellation?
A trip cancellation plan provides coverage if your trip is cancelled for a covered reason before you depart for your trip. The benefits could include reimbursing you for the cost of non-refundable travel expenses, like trip deposits and flight change fees, if your trip is cancelled because of a covered cause.
On the other hand, a trip interruption plan provides coverage after you depart on your trip. The benefits could include paying for your trip home or to your next destination if your trip is interrupted because of a covered cause.
It is good to keep in mind that trip cancellation and interruption plans may not provide coverage for medical expenses you incur on your trip. So, you may want to purchase a travel medical plan if you are looking for travel medical coverage.
Do I need insurance if renting facilities for a special event?
Most facilities require some form of insurance when you rent for special events. This insurance also covers you and your guests in the event of an accident.
Is wedding insurance worth it?
Yes! A wedding is so much more than just the ceremony and reception, and weddinguard covers all of that and more.
Can I insure my ATV, dirt bike or snowmobile?
Yes, depending on the type of recreational vehicle we can add them to your existing auto policy, or a new policy can be written.
Is recreational insurance purchased seasonally or year-round?
Recreational insurance is done on an annual term, but is rated on a seasonal use. Which means you’re only being charged for the months it’s most likely being used.
Insurance Doesn’t Have to Be Confusing
Talk to us today for friendly, expert advice, and to obtain coverage you can count on. You don’t have to figure it out alone.