RV Insurance Has You Covered

Gruber and Associated RV insurance coverage can protect your investment from top to bottom. You can select many types of coverage, including Vacation Liability, Full Time RV insurance, Emergency Expense and more. Your RV insurance policy can also protect your traveling companions and your valuables when you’re on a trip.

Plus, you’ll get 24/7 help from our RV insurance specialists. So, when you need to ask a question, make a change, or report a claim, we’re ready to help.
RV Insurance Quotes Anytime
A Gruber & Associates RV insurance quotes are offered 24/7, online. With so many options to choose from, we provide you with information to help you choose the best coverage for your RV.
Get a RV Insurance Quote and Much More
Keep in mind that RV insurance covers several kinds of vehicles, including:
  • Motor homes (classes A, B, and C)
  • Motor coaches
  • Camper vans
  • Travel trailers (campers, pop-ups, fifth wheels, and toy haulers)

Here’s what we insure.

You can insure more than just your RV with a Gruber and Associated RV policy. We also offer motor home insurance, travel trailer insurance and camper insurance too. With a Gruber and Associated RV insurance policy, you can protect whatever type of recreation vehicle you have so you can spend your time traveling — and enjoying it.
What’s the difference between RVs and travel trailers?
Motor Home insurance covers recreation vehicles that provide you with temporary living quarters and are permanently attached to a chassis or van. Click on the following links for more detailed descriptions of the motor homes we insure.
Conventional Motor Home — Class A

Constructed on either a commercial truck chassis, a specially designed motor vehicle chassis, or a commercial bus chassis, a Class A motorhome resembles a bus in design and has a flat or vertical front end and large windows. In 1989, the addition of slide-outs dramatically changed the industry because it allowed a wider room than what would fit on the road.

Professional Bus Conversion — Class A

A commercial passenger bus or school bus that has been converted into an RV. Highly customized with luxury components, passenger bus conversions are typically the largest motorhomes available.

Non-professional Bus Conversion — Class A

A class A non-professional bus conversion has the following characteristics: Motor home facilities built into a Class A type bus shell, but does not include changes made to school buses or public transit buses, as these vehicles are unacceptable. Conversion is performed by the owner of the vehicle.

Camper Vans — Class B
A class B camper van has the following characteristics: Built by the factory for camping purposes with sleeping, kitchen, toilet facilities, 110 volt hookup, fresh water storage and an extension roof. Most economical, versatile and maneuverable type of motor home. Narrower than other motor homes because it utilizes space within the existing van body. Ranges from 16 to 21 feet in length. Typically sleeps up to 4 people. All features are installed by the RV manufacturer. Does not include conversion vans.

Mini Motor Home

A Class C Motorhome is typically an RV with the living accommodations built on a cutaway van chassis. A full-size bed in the cabover section allows for ample seating, galley and bathroom facilities in the RV coach. Also called a “mini-motorhome” or “mini,” lengths range from approximately 16 to 32 feet.

What’s the difference between RVs and travel trailers?
Travel trailer insurance and camper insurance provide coverage for non-motorized, portable units designed to provide you with living quarters for recreational and camping use. Travel trailers and campers do not require special highway permits when towed. Click on a link to get a more detailed description of the travel trailer or camper.
Fifth Wheel Trailer

A fifth-wheel trailer has the following characteristics: Similar to the conventional model, but has a raised forward section above a fifth wheel coupling device, creating a unique bilevel dimension. Ranges from 21 to 38 feet in length. Using a truck to tow allows for trailer designs up to 38 feet in length. Specially designed devices are generally mounted to pickup beds. Built on a welded steel chassis. Contains luxuries such as a large living area, all appliances, and bathing, cooking and sleeping facilities.

Conventional Trailer

A conventional trailer has the following characteristics: Designed for vacation/camping use. Ranges from 12 to 40 feet in length. Towed by an automobile or truck with a bumper hitch. Equipped with bathing, cooking and sleeping facilities. May have additional options such as air conditioning and awnings.

Pop-Up Tent Trailer

A pop-up camper (also called a pop-up tent trailer) has the following characteristics: Constructed with collapsible sidewalls that fold or slide down for easy towing by a light vehicle. Typically less than 12 feet long; ranges from 15 to 23 feet (when opened). Compact size allows for quick setup at destination. Very basic with few luxuries. Larger unit may contain a refrigerator, stove and/or furnace, and may sleep up to eight people.

Trailer with Recreational Cargo Quarters
A trailer with recreational cargo quarters has the following characteristics: These are specific types of travel trailers or fifth-wheel trailers. Must have a special compartment in the back to transport horses, ATVs, etc.

Mounted Truck Camper

A mounted truck camper has the following characteristics: Designed as temporary vacation camping unit that is loaded onto a pickup truck bed. Ranges from 18 to 21 feet in length. Typically sleeps up to six people. Compact size makes the truck camper versatile, manageable and convenient for local travel to and from campsite. Easy, economical way for many first-timers to begin RVing.



Let us help you find the right insurance for your RV today!

RV Insurance Rates and Discounts

Quality protection and cheap RV insurance rates

Not only do we offer affordable RV insurance rates, but we also offer plenty of discounts including multi-policy if you have more than one Gruber and Associates policy (even if it’s not another RV policy). We offer the following RV insurance discounts to those who qualify:

  • Claims-Free Renewal — Receive a discount if you have no at-fault accidents during your previous policy period.
  • Original Owner — Choose Comprehensive and Collision coverage and get a discount on RV insurance rates if you’re the only person who’s owned your motor home.
  • Paid in Full — Pay the full amount of your policy up front and receive another discount.
  • Responsible Driver — If any drivers on your policy have no accidents or violations for the last three years, you’ll get a discount.
  • Prompt Payer — Pay on time for a year and receive a discount when your policy renews.
How and where you shop for RV insurance can save you money in the long run. If you’re looking for cheap RV insurance rates, just get a quote, choose your coverages and see how much you can save. We offer quotes online 24/7.

RV Insurance Coverage Options

Why You Need Specialty RV Insurance Coverage

Your RV is very different than your car, and that’s why you’ll likely need to get a special RV insurance policy instead of just insuring your RV under your auto policy. That just makes sense. A Gruber and Associates specialty RV policy covers the following (when your auto policy likely will not):

Get a RV Insurance Quote and Much More
Keep in mind that RV insurance covers several kinds of vehicles, including:
  • Your personal belongings that you keep in your RV that you wouldn’t keep in your car, such as clothing, jewelry, outdoor gear, laptops, other electronics, etc.
  • Liability coverage to protect against accidents or injuries that happen around your RV when you park it at a campsite. Without this coverage, you may be responsible to pay if someone is injured around your RV.
  • Hotel and other lodging/travel expenses if your RV is damaged while you’re traveling and you need a place to stay or a way to get to your destination.
Why You Need Specialty RV Insurance Coverage

Your RV is very different than your car, and that’s why you’ll likely need to get a special RV insurance policy instead of just insuring your RV under your auto policy. That just makes sense. A Gruber and Associates specialty RV policy covers the following (when your auto policy likely will not):

Bodily Injury & Property Damage Liability

There are two types of liability coverage on your car insurance—Bodily Injury (BI) and Property Damage (PD).They cover your legal liability if you’re at fault in an accident that involves injury to others (people in the other car, pedestrians, etc.) or damage to owned property (fences, garage doors, light poles, etc.)

Uninsured/Underinsured Motorists

Several coverages can help protect you if you are hit by someone who doesn’t have insurance, or doesn’t have enough insurance. Here’s how these coverages generally work (keeping in mind that policies and the law vary by state):

Uninsured Motorist Bodily Injury – This may pay for damages when a covered person is injured and the person at fault for the accident does not have liability insurance.

Underinsured Motorist Bodily Injury – This may pay for damages when a covered person is injured and the person at fault for the accident does not have enough liability insurance.

Uninsured/Underinsured Motorist Property Damage – This may pay for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or does not have enough liability insurance.

Medical Payments

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault.

Comprehensive & Collision

Comprehensive and Collision coverages pay to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.

With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.

With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.

Roadside Assistance

Emergency Roadside Assistance exists for your peace of mind. If you purchased this coverage with your policy, it’s available 24/7

Trailer

When you have Comprehensive and Collision coverage, $2,500 of Trailer coverage is automatically included. This coverage pays for physical damage to utility trailers used in conjunction with the insured motor home. An additional $17,500 of Trailer coverage can be purchased for a maximum of $20,000 of coverage

Emergency Expense

Coverage that will pay for temporary living quarters if the RV breaks down far from home. This kind of coverage will also generally cover the cost to return an RV home from a wreck or breakdown that happens more than 50 miles from home.

Replacement Cost Personal Effects
Specialty policy that covers your personal belongings that you keep in your RV that you wouldn’t keep in your car, such as clothing, jewelry, outdoor gear, laptops, other electronics, etc

Vacation Liability
One of the most important types of optional RV coverage is vacation liability insurance, which will pay for bodily injury and property damage if someone or something gets hurt in or around your RV

Fire Department Service Charge

If the fire department is needed to save your protect your RV, fire department service charge coverage pays up to a certain amount

Full Time RV insurance

The Full Timer’s Package provides coverage similar to a homeowners policy and is required for people who use their RV as a primary residence, which is defined as not owning or residing in another dwelling. The Full Timer’s Package includes Full Timer’s Personal Liability coverage, Full Timer’s Medical Payments To Others coverage, Full Timer’s Loss Assessment coverage and Storage Shed Contents coverage, as defined below:

Full Timer’s Personal Liability — Pays up to specified limits for bodily injury and property damage for which the insured is legally responsible because of an accident. Up to $500,000 CSL coverage is available.

Full Timer’s Medical Payments To Others — Pays up to $50,000 for medical expenses of others who are injured because of an accident while on the property occupied by the RV that is used as a permanent or primary residence.

Full Timer’s Loss Assessment — Pays up to $5,000 for certain assessments charged to the full timer while he owns or is a tenant of property in an association.

Storage Shed Contents — Pays up to $5,000 for contents located in a shed owned, leased or rented by the insured at the time of loss.