RV Insurance in Kentucky
We provide RVinsurance solutions to businesses in Kentucky, Virginia and Florida
Learn More About RV Insurance from Holly McMillin Insurance Group
Holly McMillin Insurance is proud to serve Kentucky residents with customized insurance solutions tailored to fit your needs. If you own an RV or motorhome, ensuring it is properly insured is critical. Explore how we can help protect your investment and your peace of mind with our specialized RV and motorhome insurance options.
What is RV Insurance and Why Do You Need It in Kentucky?
RV insurance provides coverage designed specifically for recreational vehicles, offering protection beyond what standard auto insurance policies cover. In Kentucky, owning an RV means you’re likely traveling across the Bluegrass State’s scenic routes and beautiful campgrounds. With this comes unique risks such as accidents, weather damage, or theft.
At Holly McMillin Insurance, we understand that RVs combine the complexities of a home and a vehicle. Whether you use your RV seasonally or live in it full-time, having the right coverage can help safeguard your finances and provide peace of mind during your travels.
Get a Quote
“I have much of my home and auto insurance through McMillin Insurance Group and couldn’t be happier. I recently had to file an auto claim and it was handled very professionally and efficiently, and always executed to my satisfaction. Holly and all her staff are excellent!”
“Holly and her team have provided nothing but professional, friendly and excellent service for the past 5 years. We have expanded over the years and Holly is always quick to jump in and guide us through the options. And wonderful friends to boot!”
“Holly McMillin was very helpful, initialing providing advise and obtaining our current insurance provider. Over past years, Holly, has always been available for questions, and keeping current policies updated. Very professional company.”
“We recently switched our home and auto insurance to Holly McMillin Insurance Group. Not only did we save money, we are receiving better coverage (we were under-insured and had no idea until Holly educated us). Holly and her team have been so easy and kind to work with – they made the process seamless.”
“Working with Holly McMillin Insurance Group was incredibly sufficient, easy and a great local business in our small town. The staff members were so helpful and genuine!”
What Does RV Insurance Cover?
RV insurance coverage can vary based on your specific policy, but it typically includes options such as:
- Liability Coverage: Protects you financially if you’re responsible for injuries or property damage.
- Collision Coverage: Helps pay for damages to your RV from accidents involving other vehicles or objects.
- Comprehensive Coverage: Covers non-collision incidents, such as theft, vandalism, or weather-related damage.
- Personal Belongings Coverage: Offers protection for the items you carry in your RV, like electronics, furniture, or camping gear.
- Uninsured/Underinsured Motorist Coverage: Provides protection if you’re involved in an accident with a driver who lacks sufficient insurance.
- Emergency Expense Coverage: Covers temporary lodging or transportation costs if your RV becomes uninhabitable due to a covered event.
Our team at Holly McMillin Insurance will work with you to build a policy tailored to your lifestyle and needs. Whether you’re a weekend traveler or a full-time RVer, we’ll help you explore the options that make the most sense for your situation.
How Does Motorhome Insurance Differ from RV Insurance?
Motorhome insurance is a specialized type of RV insurance designed for self-propelled recreational vehicles. In Kentucky, motorhomes are classified into three classes:
- Class A: The largest and most luxurious motorhomes.
- Class B: Compact and often referred to as camper vans.
- Class C: Mid-sized motorhomes with a cab-over design.
Because motorhomes combine living quarters with the vehicle itself, they require specific coverage considerations. Holly McMillin Insurance can help you understand the differences and select the best coverage for your motorhome.
Is RV Insurance Required in Kentucky?
Yes, Kentucky state law requires liability insurance for motorized vehicles, including RVs and motorhomes. The minimum liability coverage requirements typically include:
- $25,000 for bodily injury per person.
- $50,000 for bodily injury per accident.
- $25,000 for property damage per accident.
However, these minimums may not provide sufficient protection for all scenarios. Holly McMillin Insurance can help you determine if additional coverage options are necessary to protect your RV and personal assets.
Can You Insure a Travel Trailer in Kentucky?
Yes, travel trailers, which are non-motorized and towed behind a vehicle, can be insured in Kentucky. While they may not require liability insurance since they rely on the towing vehicle’s policy, adding comprehensive and collision coverage can protect your trailer against damage or theft.
At Holly McMillin Insurance, we’ll guide you through your options to ensure your travel trailer is adequately covered, giving you confidence to enjoy Kentucky’s outdoor adventures.
How Are RV Insurance Premiums Determined?
RV insurance premiums in Kentucky depend on several factors, including:
- Type of RV: Motorhomes and towable RVs differ in cost and risk.
- Usage: Policies vary for full-time RVers versus occasional travelers.
- Location: Where you store and use your RV can influence rates.
- Driving Record: A clean record may result in lower premiums.
- Coverage Options: The type and amount of coverage you choose will affect the cost.
Holly McMillin Insurance will work with you to find competitive rates without compromising on the protection you need.
What Additional Coverages Are Available for Kentucky RV Owners?
Beyond standard policies, you may want to consider these optional coverages:
- Roadside Assistance: Provides towing, fuel delivery, and other emergency services.
- Full-Timer Coverage: Designed for those who live in their RV year-round.
- Vacation Liability: Covers incidents that occur while your RV is parked and used as a temporary residence.
- Custom Equipment Coverage: Protects modifications or accessories like awnings, satellite dishes, or solar panels.
- Gap Coverage: Pays the difference between the RV’s actual cash value and the remaining balance on your loan if it’s totaled.
Our team is here to explain these options and help you decide which are right for your Kentucky RV lifestyle.
How Can Holly McMillin Insurance Help You Save on RV Insurance?
At Holly McMillin Insurance, we’re committed to helping Kentucky residents find affordable RV insurance without sacrificing quality. Here are a few ways to save:
- Bundle your RV insurance with other policies, such as car or homeowners insurance.
- Maintain a good driving record.
- Install safety features like anti-theft devices or alarms.
- Choose higher deductibles to lower your premium.
- Take advantage of discounts for responsible RV usage or membership in RV clubs.
We’ll explore all available discounts and customize your policy to fit your budget and coverage needs.
Why Choose Holly McMillin Insurance for RV and Motorhome Insurance in Kentucky?
Holly McMillin Insurance is a trusted name in Kentucky’s insurance industry. Here’s why RV and motorhome owners turn to us:
- Local Expertise: As a Kentucky-based agency, we understand the unique needs of RV owners in the region.
- Personalized Service: We work closely with you to create a policy tailored to your lifestyle.
- Wide Range of Options: We partner with top insurance providers to offer competitive rates and comprehensive coverage.
- Ongoing Support: Our team is here to assist you with claims, policy updates, and any questions you may have.
Whether you’re exploring the Bourbon Trail or camping in the Daniel Boone National Forest, Holly McMillin Insurance has you covered. Protect your RV or motorhome with a policy designed to meet the demands of Kentucky’s RV enthusiasts. Contact Holly McMillin Insurance today to request your free quote and learn more about our coverage options.
Get in touch with our team!
For questions or concerns, please get in touch!
Email: info@hollymcmillininsurance.com
807 Main Street, Paris, Kentucky 40361
Mon-Thurs 9am-5pm; Fri 9am-4pm