Collision and comprehensive
Helps repair or replace the RV after a covered loss such as a collision, fire, theft, hail or a falling tree limb.
What it covers
What RV, Camper & Travel Trailer coverage can include
RV policies cover the vehicle or trailer, what is inside it and your liability. Motorized and towable RVs are treated differently, which is why details matter. Coverage options vary by policy and carrier.
Liability
For motorhomes, liability is part of the policy. For towable trailers, liability coverage often comes from the tow vehicle's auto policy. We will explain how yours works.
Personal belongings
Helps with furniture, electronics, cookware, bedding and other items kept in the RV, subject to limits.
Attached accessories
Awnings, satellite dishes, steps, hitches and similar parts can be covered when attached to the unit.
Vacation liability
If your RV is parked at a campsite, this can help with liability claims related to your campsite and attached items such as an awning or patio set.
Emergency expenses
Some policies help with lodging, meals or transportation costs if a covered loss leaves your RV unusable on a trip.
Who needs it
Who needs RV and camper insurance
If any of these sound like you, it is worth a quick conversation. We serve Kentucky, Ohio and Indiana.
Motorhome owners
Whether Class A, B or C, a motorhome has both vehicle and living space to protect.
Travel trailer and fifth wheel owners
Towables often need a separate policy for the trailer itself, in addition to your auto policy for the tow vehicle.
Seasonal campers
If your unit sits at a campground or in storage for months, your coverage can reflect that.
Full-time RV owners
Living in an RV is different from camping a few weekends a year. Tell us if the RV is your home.
Local agency
RV and camper coverage in Florence, Boone County and Northern Kentucky
Campers in Northern Kentucky head to state parks, lakes and campgrounds across Kentucky, Ohio and Indiana, and many take longer trips from the I-71/I-75 corridor. Storing the RV at home, at a storage lot or at a campground can change how a policy is written, so tell us where it stays.
Turner Insurance Group is based in Florence and writes policies in Kentucky, Ohio and Indiana. We will go over how your RV is used, where it travels and what your lender or campground expects.
Be prepared
What to have ready
The unit
Year, make, model, VIN and the type of RV or trailer you own.
How you use it
Weekend trips, long vacations, seasonal camping or full-time living.
Where it is stored
Driveway, storage lot, campground or covered storage.
What you tow it with
If you have a towable, we will look at your tow vehicle's policy at the same time.
FAQ
Common questions
Does my auto policy cover my RV or trailer?
It depends on the RV. Your auto policy may provide liability for a trailer you are towing, but the trailer itself, and the belongings inside, usually need their own coverage. A motorhome generally needs a policy of its own.
What is the difference between insuring a motorhome and a travel trailer?
A motorhome is a vehicle and needs both vehicle coverage and liability. A travel trailer is towed and its liability coverage often comes from the tow vehicle, so the trailer policy focuses on physical damage and belongings.
Can I insure my RV if I live in it full-time?
Possibly. Full-time use is treated differently from recreational use, and coverage options differ. Tell us how you use the unit so we can explain what is available.
Are my belongings inside the RV covered?
Many RV policies include personal belongings coverage with limits. Items like electronics, camping gear and kitchen supplies may be included. Ask about limits and exclusions.
Do you write RV insurance in Ohio and Indiana?
Yes. We write policies in Kentucky, Ohio and Indiana. Coverage options vary by policy and carrier.
Keep reading
Related coverage & guides
Auto insurance · Boat insurance · Golf cart insurance · Umbrella insurance · Motorcycle insurance · All coverage
Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Ready for a RV, Camper & Travel Trailer quote?
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. We serve Kentucky, Ohio and Indiana.