RV Insurance
RV Insurance Tailored to Your Needs
Shortly after the auto industry took root, Americans began their love affair with recreational vehicles, and it has never stopped. From the quaint teardrop trailers of the 1930s to the technology-rich, luxury motor homes of today, Gilbert’s Risk Solutions has been protecting full-timers and recreational travel aficionados alike. Find out why seven generations of your neighbors have trusted us with RV insurance.
There’s no one formula for what or how much insurance you need – it depends on the type of RV you have, where and how you use it, and how often you use it. There are required coverages like liability insurance, along with optional coverages that may make sense for you. We work with more than 100 of the nation’s premier insurers, so we can find the best protection to meet your needs.
While we’re proud to call Pennsylvania our home, we’ve helped individuals all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Protect Your Home on the Road
Common types of RVs we insure:
- Class A through C Motor Homes
- Bus and truck conversions
- Travel trailers
- Hybrid Trailers
- Truck Campers
- Fifth Wheels
- Teardrops
- Popup Campers
- Park Models
- Toy Haulers
- Horse trailers
- Utility Trailers
Our RV Auto Insurance Coverage
Whether you’re on the road full-time or hitting the campground a few weekends a year, your coverage needs are different – and we tailor your policy accordingly.
Full Time vs Part Time RV Coverage
Full-Timers: If your RV is your primary residence, you need coverage similar to homeowners insurance – protecting your vehicle and its contents the same way you’d protect a house.
Part-Timers: If you use your RV seasonally or for recreational travel, your needs typically focus more on liability, collision, and comprehensive coverage rather than full-time living expenses.
Our RISK SHIELD® Process
Insurance alone isn’t enough. Our RISK SHIELD® methodology helps us Consult, Design, Build, and Maintain a complete risk strategy for your fleet – not just a policy.
CONSULT
DESIGN
BUILDING
MAINTAIN
Our Personal Risk Consultant Approach
Not everyone understands the unique and varied needs of the RV lifestyle, but at Gilbert’s Risk Solutions, we make it our business to know the details. Families have been entrusting us with protecting their health, home, and possessions for more than seven generations. Whether you’re parked right here at home or traveling the continent, we can help.
Our Approach
We take a consultative, risk management approach to our personal insurance clients. We work with more than 100 insurance companies, so there are many options to consider – we’re here to help you understand and choose the best ones for your circumstances.
Tailored Solutions
We’re experts in RV insurance and can help you think through the risks you face and the protections you need for your unique situation. We’ll help you assess your needs and evaluate the best options for you and your family.
Personal COnsultation
Your personal risk consulting team can help you assess the right options for you and your family from a variety of choices. Protecting your full- or part-time home deserves more than a cookie-cutter approach – just ask any of your 3,000+ neighbors who put their trust in Gilbert’s Risk Solutions.
RV Insurance FAQs
Liability coverage is generally required if your RV is drivable, similar to auto insurance requirements. Towable RVs may have different requirements depending on how they're used.
Full-timer coverage protects your RV like a primary residence, including personal belongings and liability. Part-timer coverage typically focuses on liability, collision, and comprehensive protection for occasional use.
Not usually – RVs typically require a separate policy or endorsement because of their unique use, size, and living components.
It depends on your RV type, how often you use it, and whether it serves as a full-time residence or a recreational vehicle. Our advisors help assess your specific needs.
Yes, bundling your RV with auto or home insurance can often reduce your overall premium.
