Motorhome Insurance
for the Protection you need!

Coverage Designed for How You Travel

Motorhomes aren't just vehicles-they have some of the comfort of your home but on wheels. Whether you drive a Class A, B, or C RV or a camper, you need insurance that covers more than just the road. Gateway Insurance helps cover those weekend getaways, cross-country trips, and even full-time living.

Key Protections for Motorhomes & RVs

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Liability Insurance

Required in ND-protects you if you cause injury or property damage.

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Collision & Comprehensive

Coverage for repairs or replacement after accidents, hail/wind damage, theft, fire, or vandalism.

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Personal Property & Contents

Covers your clothes, electronics, cookware, and gear inside the RV-especially important for extended trips or full-timers.

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Attached Equipment

Protection for awnings, antennas, solar panels, and custom upgrades.

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Medical Payments

Coverage for injuries to you or your passengers, regardless of fault.

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Roadside Assistance & Towing

Many RV policies offer help with breakdowns far from home-fuel delivery, flat tire changes, towing to the nearest qualified shop.

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Full-Timer Options

Special liability and personal property coverage for those who use their RV as a primary residence.

Part-Time, Full-Time, or Weekend Warrior

Weekend/Vacation Use

Standard policies with seasonal adjustments and storage protection.

Extended Trips

Upgrade for higher limits, trip interruption, and extra roadside protection.

Full-Timers

Specialized coverage for people who live in their RV year-round, liability coverage, higher contents limits, and protections similar to a homeowners policy.

Coverage for Where You Go

From summer road trips to seasonal storage (and hail/windstorms), we help RVers protect their investment in any season.

When your travel plans take you beyond familiar roads, it’s important to know your coverage keeps up. Whether you’re crossing state lines, staying at campgrounds, or spending extended time on the road, your policy can be structured to reflect how and where you actually use your motorhome. That way, you’re not left second-guessing your protection when plans change or trips go longer than expected.

Motorhome & RV Insurance-Questions Answered

  • What does motorhome insurance cover?

    Liability, collision/comprehensive, personal property, roadside/towing, attached equipment, and more.

  • Do I need RV insurance or auto insurance for a motorhome?

    RV-specific insurance is recommended-it covers more than standard auto, including contents and living needs.

  • What's the difference between part-time and full-time RV insurance?

    Full-timer policies offer higher liability and property limits, tailored to year-round living.

  • Does RV insurance cover personal belongings?

    Yes-most RV policies cover personal property, with higher limits available for full-timers.

  • Motorhome insurance quote Bismarck ND?

    Gateway Insurance offers custom quotes for all classes of motorhome-just ask!

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Need a Quote?
What to Have Ready

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RV class/type (A, B, C, camper)

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Value and year/make/model

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Primary use (part-time, extended, full-time)

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Storage location (garage, outdoors, storage lot)

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Drivers and household members

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Bundle options (auto, home, umbrella)

Gateway compares carriers and builds the right policy for your trip and your budget.

Coverage for the Road Ahead

Before your next adventure, get a motorhome or RV insurance quote from Gateway Insurance. We'll explain your options, compare carriers, and help you get ready for that weekend away or full time living!