Explore the beauty of the Bluegrass State with Roamly's Kentucky RV Insurance. Celebrated for its world-renowned derby and as the birthplace of Abraham Lincoln, this land ensures a journey rich in living history. Through its rolling hills and historic landmarks, Roamly is with you every mile of the way.
Whether you're heading to an equestrian event or exploring the Appalachian Mountains, our Kentucky RV and motorhome coverage safeguards all your adventures. Roamly provides comprehensive protection and affordability, allowing you to enjoy the rich heritage and natural splendor of this beautiful state.
In the heart of horse country, you’ll find our RV coverage will beat all the competitors to the finish line!
At Roamly, we offer coverage options that cater to a wide variety of RV owners:
Full-time RVers: Those who live in their RV year-round and need full-time protection for their homes on wheels.
Weekend Warriors: Part-time adventurers who hit the road for weekend getaways or seasonal trips.
DIY Builds: Owners of custom-built campervans who need insurance tailored to their unique vehicles.
Commercial RV Owners: Entrepreneurs who use RVs for rental businesses, mobile offices, or travel accommodations.
The legal requirements for RV insurance in Kentucky are similar to those for regular vehicles. All motorized RV owners must have the following minimum liability coverage:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$25,000 for property damage per accident
Additionally, Kentucky is a "no-fault" state, which means you are required to carry Personal Injury Protection (PIP) coverage with a minimum of $10,000. This covers medical expenses and other losses regardless of who is at fault in an accident.
This basic coverage ensures that you meet Kentucky’s legal requirements, but Roamly offers more robust options to better protect your RV and your adventures.
RV insurance costs in Kentucky vary based on factors such as your driving history, vehicle type, and the level of coverage you choose. On average, RV insurance can range between $500 and $1,500 per year. However, with Roamly's competitive rates, customers can save up to 35% on their premiums compared to other RV insurance companies.
Whether you're a part-time adventurer or a full-time RVer, you can customize comprehensive coverage to suit your needs.
For weekend warriors and part-time RV owners, we provide a variety of coverage options:
Collision Coverage: Covers damage to your RV in case of an accident.
Medical Payments Coverage: Provides for medical expenses in the event of an accident.
Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver without adequate insurance.
Roadside Assistance: Helps you in case of a breakdown or emergency on the road.
Tire & Wheel Coverage: Provides protection for tire blowouts or wheel damage.
For full-time RVers, we extend our coverage to include the following:
All the coverage options available for short-term coverage, plus:
Full-Timer's Liability: Provides liability coverage similar to a homeowner's policy when your RV is parked and used as a residence.
Personal Property Coverage: Protects your belongings inside the RV, including electronics, clothing, and other personal items.
Scheduled Medical Payments: Higher limits on medical expenses after an accident.
Loss Assessment: Covers fees associated with damage to shared property in RV parks or campgrounds.
Emergency Expense Coverage: Reimburses you for unexpected costs such as lodging or transportation if your RV is disabled due to a covered loss.
Adjacent Structures Coverage: Protects other structures, such as awnings or satellite dishes, that may be attached to your RV.
Diminishing Deductibles: Reduces your deductible the longer you remain claim-free.
No matter what kind of RV lifestyle you have, we have the right coverage options to give you peace of mind on the road and at home.
Roamly Helps You Save on Kentucky RV Insurance
* New Roamly customers getting personal policies for travel trailers and Class B RVs tended to see the largest savings of 35% or more off their existing policies when getting comprehensive coverage in 2023. Commercial customers who saw the largest savings while switching to Roamly typically covered between 3-5 vehicles and switched from an existing commercial policy.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.