Personal Insurance

Personal Insurance & Risk Management Services

In the early days of our company, pony express was an exciting innovation for faster communication, and horses and wagons were the main means of transportation. Gilbert’s was right here in Sharon for your great-great-great-grandparents, and now we’re here for you and families nationwide.

Today, we help individuals and families protect what matters most – homes, vehicles, valuables, and financial security through Life and Disability products, long-term care planning, and comprehensive Umbrella Insurance. We work with more than 100 of the nation’s premier insurance companies, and we’re proud that our customers stay with us year after year.

Auto Insurance

Personal coverage for cars, motorcycles, and vans.

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Home Insurance

Protection for homes, condos, rentals, and vacation properties.

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Life Insurance

Financial security for you and the people who depend on you.

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RV Insurance

RV auto insurance for campers, trailers, and motorhomes.

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Umbrella Insurance

Extra liability protection beyond your standard policy limits.

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Pet Insurance

Veterinary cost coverage for the pets who are part of your family.

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We offer additional personal coverage beyond our core lines, including condominium, rental, and valuables/collections insurance, along with wedding and flood coverage. We also help protect your health and long-term financial security through individual health, disability, and long-term care insurance.

Our RISK SHIELD® Process

Every client relationship starts with our RISK SHIELD® Process, a four-step approach that identifies your unique risks and builds a plan to manage them long-term.

CONSULT

DESIGN

BUILDING

MAINTAIN

What Our Happy Customers Are Saying

      EXCELLENT  
   Based on 115 reviews 
    
 
 
 
   
 
 
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   Tom S. 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ashley was amazing, easiest transition ever and she saved us so much money I cannot believe it. A+++++ we were lucky to have her
  
 
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   Andrew Southgate 
 
 
 
 Trustindex verifies that the original source of the review is Google. Lisa at Gilbert Risk Solutions is awesome.  She is kind, attentive, and competent.  Thank you for making my life better.
  
 
      Posted on Google  
   
   Randal Coleman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Meriaha, your responsiveness and attention to detail are truly impressive. You didn’t just provide what was requested—you made the process effortless and reassuring. It’s clear you care deeply about your clients, and that level of professionalism and kindness makes a world of difference. Thank you for going above and beyond!
  
 
      Posted on Google  
   
   Kateri Linn 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ashley went above and beyond to help us find the best auto and home owner quotes!  Highly recommend!!
  
 
      Posted on Google  
   
   Kyle Forged in Kol 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ashley gave us the hook up! She gets us the best car insurance deal and we see minimal increases on our policy year after year. Joyce does an amazing job handling our commercial auto insurance as well. Our experience has been so pleasant. 12/10 would recommend!
  
 
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   Constance Briggs 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have to say a huge shoutout to Ashley! We are purchasing our first home and as one knows, that can be a daunting process (to say the least)! She was able to bundle our home and auto together and she sought out the best coverage for the best price. She was quick, concise and answered all my questions. My experience was wonderful! It is a comfort to know there are still people that do there job having your best interest at heart! Thank you Gilbert's Risk Solutions!
  
 
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   Linda Barr 
 
 
 
 Trustindex verifies that the original source of the review is Google. Meriaha Mitcheltree has serviced my auto and homeowners insurance for many years. She is always reachable and goes out of her way to make sure I have complete coverage at a competitive price. I live quite a distance away and in another state from the Gilbert’s office, but I have always stayed with them because of Meriaha.
  
 
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   Carol 
 
 
 
 Trustindex verifies that the original source of the review is Google. Laura has provided excellent service over the years and is always willing to "dig deeper" to find resolutions for our needs.  She is definitely my "go to" person at Gilbert Risk Solutions.  I can't say enough about how much I appreciate her and the service that she provides!
  
 
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   Katy Skakun 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience with Gilbert’s Risk Solutions! Tiffany was super helpful, she took the time to find me the best rate and made the entire process so easy. She was always quick to respond and super easy to work with. Highly recommend!
  
 
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   Rachel Miller 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ashley is fantastic! My car was totaled last month and I dealt with Progressive directly for my claim. However, when it came time to shop for a new car, Ashley was incredibly patient and helpful. I sent her a handful of VINs and she was able to give me quotes on all the vehicles before I even test drove them. It made the process of buying a new car VERY helpful. I deeply appreciate Ashley's help and patience with me!

Our Approach

We take a consultative, risk management approach to our personal insurance clients nationwide. We invest the time to get to know you and what’s important to you, so we can recommend the best solutions for your unique situation. Your financial well-being deserves a professional approach, not just a quick quote from a web form.

Tailored Solutions

We’re experts in personal insurance and financial products and can identify the right solutions for your particular life situation. Sometimes the least expensive option is right for you; other times, saving a few dollars now can leave you dangerously exposed later. Your needs evolve depending on where you are in life.

Personal Consultation

Your personal risk consulting team can help you assess the right options for you and your family from a myriad of choices. Your financial security deserves more than a cookie-cutter approach – just ask any of your 3,000+ neighbors who put their trust in Gilbert’s Risk Solutions.

Personal Insurance FAQs

What types of personal insurance does Gilbert's offer?

We offer auto, home, life, RV, umbrella, and pet insurance, along with specialty coverages like flood, wedding, and valuables/collections insurance.

Why use an independent insurance agency instead of going direct?

As an independent agency, we work with 100+ carriers to find the best fit for your unique situation – rather than offering just one company's products.

Can I bundle multiple personal insurance policies?

Yes, bundling auto, home, and umbrella coverage together often reduces your overall premium while simplifying your coverage.

How do I know how much coverage I need?

Our personal risk consultants take the time to assess your specific situation and recommend coverage tailored to your life, rather than a one-size-fits-all policy.