Protect your peace of mind on the trails, lakes, and open roads with personalized recreational insurance. We safeguard your seasonal toys—from snowmobiles for those rural Ontario winters to ATVs and watercraft—against accidents, theft, and unforeseen events with tailored solutions that fit your unique needs.
Recreational insurance in Ontario is about more than just meeting requirements; it is about exploring with confidence. From mandatory liability to optional protection against theft, collision, or seasonal storage needs, we ensure you are covered for every adventure—whether you are hitting the snowy trails on a snowmobile or cruising the lake in a boat. We help you navigate every season, from the heat of summer to the rural Ontario winter, with comprehensive security for your ATVs, RVs, and leisure toys.
At Strong Roots Insurance Brokers Ltd., we simplify the insurance process to save you time and money. Our dedicated brokers provide personalized attention and expert advice, comparing options to find a cost-effective solution tailored to your specific lifestyle. Enjoy your leisure time with profound peace of mind knowing you have a partner committed to protecting what matters most from the ground up.
Explore off-road adventures worry-free with reliable ATV insurance coverage.
Ride through winter with confidence knowing your sled is protected with the right coverage for Ontario’s trails
Enjoy the open road with peace of mind knowing your home-on-wheels is protected for every road trip.
From fifth-wheels to pop-up campers, secure your non-motorized investments against damage and theft.
Protect your significant investment, including the hull, motors, and attached equipment for fishing boats, pontoons, or cruisers.
Specifically designed for jet-propelled machines like Jet Skis and Sea-Doos, addressing their unique liability and performance risks.
Discover the difference of partnering with a dedicated insurance broker. Contact us today to discuss your insurance needs, and let us help you secure a brighter, more protected future.
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“I recently switched to Strong Roots, I have had the pleasure of working with Alisha. Not only is she knowledgeable and trustworthy, but her warm and helpful personality made the whole process so easy. With Alisha’s attentive listening, she was able to find me the best coverage - saving me so much money for auto and home insurance! I felt completely confident in her advice and she made sure I understood everything while answering all my questions. I highly recommend her!”
“Ask for Alisha or Lauren of strong roots, both of these ladies went above and beyond. Alisha unfortunately was sick and away from the office but made it a priority to contact me before my previous plan expired and got me in contact with Lauren immediately to sort things out. Lauren made the process as seamless as possible and a very easy experience. Both of these ladies went way beyond what most companies/ individuals provide.``
“I recently reached out to Strong Roots as my mother had passed away and I forgot about her house insurance. As soon as I explained why I was calling, Kim was very sympathetic and immediately sprang into action! Within 2 days she had Moms policy sent in and notified me that the policy will be cancelled. Very fast, friendly and efficient service! Thank you Kim.”
“Very impressed with Strong Roots. Elizabeth was knowledgeable, responsive, and kept me informed along the way. All my questions were answered and everything handled promptly. I ended up bundling my home and auto insurance and couldn't be more pleased.”
“Michael is absolutely phenomenal! He is very quick to respond and got me a much better rate then what I previously had even after doing my own looking around! Lots of access to a large variety of companies and before switching presented me with lots of options and clarification for understanding what I was purchasing. At the start of the year I was looking into rental insurance and Michael made it very simple to bundle both insurance policies and again gave a bunch of options and clarity for what I was purchasing. Highly recommend for any insurance needs!”
“Strong roots insurance brokers offer great trustworthy insurance coverage deals. The staff are very knowledgeable, helpful and friendly. Their response to my call after a road accident was truly amazing they handled the situation perfectly and quickly secured a rental car for me on time. Many thanks to Alisha Gingerich and team for their awesome services. I would not hesitate to recommend anyone to try strong roots insurance brokers for insurance needs.”
“I have been with Strong Roots for a few years now. They were the only ones who offered me insurance for my vehicle when I needed it the most. I’m so happy I got to meet Elizabeth. She’s extremely helpful and knowledgeable abt any and everything related to getting the best quote for your car. Did I mentioned she’s also very kind and patient when it comes to her clients. She makes me feel like family. Thank you Elizabeth.”
“I’ve noted 5 stars for Lauren O’Brien as she’s responsive, detailed oriented and very knowledgeable. Whether it be a new vehicle purchase, in which my spur of the moment purchase had me needing coverage immediately, she was there. Or when my spouse passed away and I needed changes, she was there! Her friendliness and competence are added qualities I appreciate. I wholeheartedly recommend her and Strong Roots IB.”
“Elizabeth is always kind, professional and efficient. She has helped us with our home and vehicle insurance needs over the last several years and dealing with her is always a warm and pleasant experience. I trust her implicitly and encourage others to reach out to her for all your insurance questions and needs.”
In Ontario, it depends on the vehicle and where you use it. Motorhomes and any vehicle driven on public roads (including ATVs and snowmobiles crossing roads) must have liability insurance by law. While insurance for boats and travel trailers isn’t strictly mandatory in Ontario, it is highly recommended to protect your investment and provide liability coverage if you’re involved in an accident.
Typically, your auto insurance may extend liability coverage to a trailer while it is being towed, but it won’t cover physical damage to the trailer itself. Similarly, some home insurance policies offer limited coverage for small boats, but larger watercraft and trailers often require a standalone policy to ensure protection for the hull, motor, and accessories.
We recommend maintaining year-round protection for your seasonal “toys” to ensure peace of mind even while they are tucked away. Since your annual premium is already pro-rated to account for the vehicle only being used for a portion of the year, removing coverage during the off-season typically returns very little premium, if any. More importantly, keeping your policy active ensures you are protected against non-driving risks like theft, fire, or storm damage that can happen anytime.
If you stay strictly on your private land, insurance is not legally required. However, we still strongly recommend liability and physical damage coverage. Accidents and thefts can happen anywhere, and a specialized policy ensures you aren’t left paying out-of-pocket for costly repairs or medical expenses.
It is vital to ensure that anyone operating your recreational vehicle is legally eligible to do so. This includes confirming they hold the proper class of licence and meet all legal requirements, meaning they are of age and are not suspended or intoxicated. Generally, provided an individual is properly licensed and is neither a member of your household nor an employee, your insurance should respond to a resulting claim. However, because every situation is unique, we highly suggest contacting your Strong Roots broker for expert advice to ensure you are adequately covered.