SWG Elite: COVID-19 Won’t Impede the Leisure & Lifestyle Market

Jul 2020

SWG Elite: COVID-19 Won’t Impede the Leisure & Lifestyle Market

The COVID-19 pandemic has hurt much of the Canadian economy – except for the leisure & lifestyle industry. With Canadians under travel restrictions both internationally and interprovincially, Canadians will be spending their leisure time closer to home.

According to a CTV news report, the cottage industry in Ontario is thriving. Citing the increase in telecommuting combined with the uncertainty of the stock market, Catharine Inniss of Cottage in Muskoka Real Estate reported that the number of cottage purchases has spiked. (1)

Likewise, the mobilehome and vacation trailer markets were already doing well before the pandemic. Now, with concerns about social distancing, there are even more reasons for vacationers to invest in a camper or RV.

Now is a great time for brokers to take advantage of the leisure & lifestyle market. South Western Insurance Group’s Aviva Elite Program offers a broad range of coverage so brokers can meet a wider variety of clientele.

An Overview of the SWG Elite Program

Our personal lines products are tailored to the insurance needs of campers, RVs, and trailers; mobile homes; and watercraft. To protect these lifelong investments, we offer as broad a range of coverage as possible so that the insured can vacation with peace of mind.

For campers/RVs/vacation trailers:

Includes campers, RVs, vacation trailers, golf carts (up to $5,000 for physical damage), tent trailers, and toy haulers

We provide coverage for common exposures and losses, including:

  • Mechanical and electrical breakdowns, such as flat tires and battery failures
  • Roadside assistance, towing, and some fees related to accidents
  • Theft of the vehicle or its contents

South Western offers three packages: Guaranteed Replacement Cost for trailers less than five years old; Replacement Cost for trailers five years old and older; and Standard for trailers (and golf carts) 15 years old and older.

For mobile homes:

Our coverage includes summer/seasonal mobile homes and mobiles homes rented out to others.

The Elite program covers the owner in case:

  • Someone has an accident or is injured while in the home
  • The mobilhome and its contents are stolen, vandalised, or otherwise damaged
  • The mobilehome is involved in unintentional damage to someone else’s property

SWG also offers replacement cost coverage available for mobile homes built in 1995 or newer, with consideration given to units “fully” updated within the last 25 years.

For watercraft/boating:

SWG offers a broad range of coverage for boating. Eligible watercraft includes cruisers/cuddy boats/houseboats, sailboats, pontoon boats, ski boats, and sea-doos.

We cover the owner for the following risks:

  • Accidents and unexpected damage to the boat and its contents (for example, the boat striking a submerged rock or log and being damaged, a collision, or the boat sinking)
  • Theft of the boat or its contents, and vandalism
  • Injuries to passengers

Recap: SWG Elite Personal Lines

SWG ELITE Personal Lines Insurance offers an extensive selection of coverages, making it a one-stop shop for Canada’s leisure & lifestyle markets.

In partnership with AVIVA, we offer combined programs for the following specialty industries and professions:

  • Cottage
  • Mobile Home
  • Motorhomes -ON, ALB
  • Park Model Trailers/Seasonal
  • Recreational Trailers – ON, MB, AB
  • Watercraft

Visit our website for more information.

Content is current as of the date of broadcast and is subject to change without notice.


  1. https://www.ctvnews.ca/canada/cottage-real-estate-market-heats-up-with-more-canadians-working-remotely-1.5011538