Kentucky is an RV enthusiast’s dream. With plenty of gorgeous country to enjoy during a drive, your destination might be the Mammoth Cave National Park or the horse country just outside of Lexington. You can also park your RV at Cave Run Lake in Daniel Boone National Forest for a relaxing vacation away from it all. An RV is a great way to get around with all the comforts of home. Whether it’s a family trip or you’re finally fulfilling the goal of a cross-country trip, make sure you have the protection of Kentucky RV insurance.
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Pet-Friendly RV Campgrounds
- Big Bone Lick
- Cumberland Falls
- Kentucky Horse Park
- My Old Kentucky Home
- Paintsville Lake
Types of RVs
- Class A motorhome: This is a large RV, which include bedrooms, a bathroom and a kitchen.
- Class B motorhome: This is a small RV typically made for two people on short trips.
- Class C motorhome: Also called a mini motor home, this RV is great on gas and best for vacations.
- Motorhome bus conversion: This is a bus converted into an RV.
- Travel trailer: This type of motorhome is non-motorized. A tow vehicle such as a truck or SUV pulls the travel trailer.
- Fifth wheel: This large motorhome attaches with a fifth wheel hitch to a tow vehicle.
- Truck camper: This refers to an addition placed on a truck for camping.
Kentucky RV Insurance Coverage
Whether you have a luxury full-size RV or a camper van, having the right coverage is essential to your protection. You are required to have liability insurance, which is similar to vehicle insurance. But be aware that having only this coverage may not be enough insurance if you’re in a severe accident. RVs and motorhomes come with specific risks that only a Kentucky RV insurance policy can address. Purchase the appropriate liability coverage amount, but ask about other options.
Your main policy will pay for any repairs you need after an accident, but you also need to ensure that you have coverage for medical expenses. Medical payments coverage will do this. If you travel with many personal belongings, you might need contents coverage similar to a homeowners policy. Ask your independent agent how potential passenger injuries affect your liability and general RV policy. What if someone causes damage to your RV while you have it parked? A Trusted Choice member agent can answer all your questions and find a policy that fulfills your needs.
When you're ready to insure your vehicle, you might select each coverage type individually or get a package of protection that fully covers your vehicle:
Liability insurance: This covers you for damages due to bodily injury or property damage caused to another person.
Collision coverage: This insures your property if the vehicle is damaged in an accident.
Comprehensive coverage: This covers your property from non-accident damage like storms, theft or vandalism.
Contents insurance: This insures the things you keep inside your RV. This coverage may be more important in a motorhome than in a traditional vehicle because your motorhome is likely to contain more of your personal belongings.
Roadside assistance: This policy option is not really a type of insurance, but more like a motor club. You will be able to call for help if you need your vehicle towed, a battery charged or a flat tire fixed.
Affordable Kentucky Motorhome Insurance Quotes
You may think the only way to get inexpensive Kentucky RV insurance is to purchase the minimum amount of liability, but that could cost you more in the end. Don’t make the mistake of having too little insurance. Other factors also affect the cost of your policy:
- Your driving record
- The kind of RV you own
- How far you travel
- Where you live
- How often you drive the RV
- How many claims you’ve filed
- The amount of coverage you purchase
Get a Personalized Plan
Don’t avoid purchasing an insurance policy you need just to save money. You need a personalized insurance plan that will meet all your needs and provide peace of mind while you’re on the road. A Trusted Choice® network agent can get Kentucky motorhome insurance quotes for your review and help you make an appropriate coverage selection.
Contact a local member agent today to get on the right road to comprehensive coverage.