Protect Your Home on Wheels With the Right RV Coverage

The Gardner Agency is a trusted insurance agency located at 4001 Grand Ave in Duluth, Minnesota, serving RV owners across the Northland and into western Wisconsin. Whether you drive a Class A motorhome down the North Shore or pull a travel trailer to a campsite near the Boundary Waters, having the right policy in place protects your investment and gives you peace of mind every mile of the way. Call us at 218-628-8002 to talk through your options.

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What RV Insurance Covers and Why It Matters

RV insurance is specialized coverage designed for recreational vehicles that a standard auto or homeowners policy simply does not address. Your coverage needs will differ based on how you use your rig, whether as a weekend getaway vehicle or for full-time living. A proper policy can cover collision and liability, personal belongings inside the coach, emergency expenses if you break down far from home, and even total loss replacement on newer units. Without dedicated coverage, a single accident or storm event could leave you facing tens of thousands of dollars out of pocket.

Coverage for Every Type of Recreational Vehicle

The Gardner Agency helps clients protect a wide range of recreational vehicles, including:

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Class A, B, and C motorhomes

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Fifth-wheel trailers

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Travel trailers and pop-up campers

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Toy haulers

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Truck campers

Whether you own a modest camper trailer or a luxury diesel pusher, the right motorhome and travel trailer policy should reflect how often you travel, where you park it, and what you keep inside. Chris Gardner brings 26 years of insurance experience to help you find coverage that fits your lifestyle and your budget, without paying for protection you do not need.

Tilted camper van on a narrow mountain road beside a rocky cliff, with a warning triangle behind it.

Frequently Asked Questions About RV Insurance

  • How much does RV insurance cost in Duluth, MN?

    The cost of RV coverage in Duluth, Minnesota, depends on the type and value of your vehicle, how often you use it, and the coverage levels you choose. Most policies can be customized to fit a range of budgets, and bundling with an existing auto or home policy may lower your overall premium.

  • Is RV insurance required in Minnesota?

    Minnesota requires liability coverage for motorized RVs operated on public roads, similar to standard auto insurance requirements. Towed units like travel trailers generally do not require their separate liability policy, though physical damage coverage is still strongly recommended.

  • Does my RV insurance cover full-time living?

    Standard recreational vehicle policies are typically designed for part-time use, so full-timers need a specialized endorsement or a dedicated full-timer policy. Be sure to discuss your living situation with your agent so your coverage matches your actual use.

  • What happens if my RV is damaged while parked at a campsite?

    Comprehensive coverage on your camper insurance policy can help pay for damage caused by weather, falling trees, vandalism, or fire, even when your RV is parked and not being driven. Confirm that your policy includes this protection rather than assuming it applies automatically.

Ready to Hit the Road With Confidence?

The Gardner Agency helps RV and camper owners across Duluth, Minnesota, and the surrounding Northland find coverage that protects every adventure. Call us at 218-628-8002 and let Chris Gardner help you build a policy that keeps you covered from your driveway to your favorite campsite.