RV Insurance in Kentucky
Whether you're heading out for weekend camping trips, seasonal travel, or extended stays, RV insurance helps protect your rig, your belongings, and your peace of mind. United Agency of Kentucky helps RV owners across Eastern Kentucky find coverage that fits how they actually travel and store their RV.
Motorhome vs. Travel Trailer - Why Coverage Differs
Not all RVs are insured the same way. Coverage depends on whether your RV is motorized or towable.
Motorized RVs (Class A, B, C Motorhomes)
These function more like a vehicle and typically require:
Liability coverage while driving
Collision and comprehensive for physical damage
Coverage similar to auto insurance, plus RV-specific protections
Towable RVs (Travel Trailers, Fifth Wheels, Campers)
These are usually covered differently because they're pulled by another vehicle. Coverage often focuses on:
Physical damage to the RV itself
Personal belongings inside
Liability while parked or used as temporary living space
We'll review your setup and explain exactly what applies to your RV.
RV-Specific Coverage Options
Liability Coverage
Helps protect you if someone is injured or property is damaged while using your RV, including when it's parked at a campsite.
Collision & Comprehensive
Covers damage from accidents, weather, fire, theft, or vandalism - important for both travel and storage.
Personal Belongings
Helps replace clothing, electronics, camping gear, and other personal items inside your RV.
Attached Accessories
Coverage for awnings, satellite dishes, generators, and other permanently attached equipment.
Vacation Liability
Additional liability protection while your RV is parked and used as a temporary residence.
Roadside Assistance & Towing
Optional coverage for towing, flat tires, jump-starts, or breakdowns - often more expensive for RVs without coverage.
Emergency Expense Coverage
May help with lodging and transportation if your RV becomes unusable during a covered trip.
Built for Eastern Kentucky RV Travel
RV owners in Eastern Kentucky often travel to state parks, forest campgrounds, and regional destinations for weekend getaways or seasonal trips. Whether you're parking near Daniel Boone National Forest, traveling the I-64 corridor, or storing your RV at home between trips, we'll help tailor coverage to your travel patterns.
Protecting Your RV When It's Not on the Road
Many RV claims happen while the vehicle is parked or in storage. We'll help you plan for:
Freeze damage to pipes and plumbing
Theft or vandalism during long storage periods
Storm or wind damage
Adjusting coverage during off-season months
A quick policy review before winter can help avoid expensive surprises in the spring.
Information Needed for an RV Quote
RV type (motorhome or towable)
Year, make, model, and length
How often you travel
Storage location when not in use
Approximate value of personal belongings
Current auto policy (to check for gaps or overlaps)
RV Insurance With Local Guidance
Independent access to top carriers
Coverage matched to how you use your RV
Help reviewing your auto policy for gaps
Support before and after a claim
Get the Right RV Coverage Before Your Next Trip
We'll help you protect your RV, your belongings, and your travel plans - whether you're on the road or in storage.
