Roamly Helps You Save on Kentucky RV Insurance

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!

Who We Insure

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.

Minimum RV Insurance Requirements in Kentucky

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.

How Much Does RV Insurance Cost in Kentucky?

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.

Comprehensive Coverage Options for Short-Term and Full-Time RVers

Whether you're a part-time adventurer or a full-time RVer, you can customize comprehensive coverage to suit your needs.

Short-Term Use Coverage:

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.

Full-Time Use Coverage:

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.