Recreational Vehicle

Your Local Kentucky Vehicle Insurance Experts

Recreational Vehicle Overview

Recreational vehicles (RVs) carry you and your belongings wherever you want to go. An RV is not only your transportation, but it is also your home and storage for your belongings. RV insurance provides the essential protection for driving along with the property risks you may encounter on your journey.  

What Insurance Do I Need?

The type of RV insurance you want depends on using your RV. Many RV owners choose from these types of coverage: 

Collision insurance

Covers damage to your RV after an accident.

Comprehensive insurance

Pays for vehicle damage from non-accident mishaps, such as weather damage.

Campsite and vacation coverage

Protects you if someone else is injured or their property is damaged while using your RV on vacation or at a campsite.

Full-time residence insurance

May be helpful if you live in your RV permanently.

Liability insurance

Cover damage you cause to others if you are at fault in an accident.

  • Bodily injury liability coverage may pay for their medical bills (and in some cases, deaths).
  • Property damage liability may pay for damage to the other driver’s property, such as their vehicle.

Medical coverage

Pays for your medical bills and those of your passengers.

underinsured insurance

Covers you against damage caused by someone else who doesn’t have appropriate liability coverage.

Is Other Coverage Available?

When you’re on the road, additional types of insurance may be helpful for you, including rental car coverage. In addition, if your RV is customized and has quality sound or entertainment systems, you may want additional coverage. If you plan to use your RV as a temporary vacation home, you may want to add the following: 

Ensure Your Journey

Wherever your drive takes you, we can ensure you have the protection you need. Owens Insurance Agency can help you get personalized RV coverage. Call us at 800-256-3575 to get started on your RV policy.  

Why Choose Owens?

We know Kentucky

Proudly serving Kentucky since 1985, we understand the unique risks that face you or your business.

One-on-one customer service

Your personal agent will work with you every step of the way to keep you or your business protected.

Access to the best carriers

Get access to the best coverage and rates from the nation's top carriers.


Request a Quote

Or call us: 800-256-3575

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