RV, Camper & ATV Insurance in Pulaski County, KY — Explore Kentucky with Confidence
Whether you're camping in a motorhome, road-tripping with a travel trailer, or hitting the backwoods on your ATV, your adventures deserve the right protection.
At Stewart & Tucker Insurance, we offer personalized RV, camper, and ATV insurance trusted by outdoor lovers in Pulaski County, Somerset, and all across Kentucky. Whatever you drive — or wherever the trail leads — we’ll help protect your vehicle, your gear, and your peace of mind.
What Should Your RV or ATV Policy Cover?
Every recreational vehicle is different — and so are the risks that come with it. Here’s what Kentucky RV and off-road owners should consider when protecting their investment:
Liability Coverage
Protects you financially if your RV, camper, or ATV causes injuries or property damage — on public roads or private trails.
Comprehensive & Collision Coverage
Covers damage from accidents, weather events, vandalism, wildlife, falling branches, or theft — whether you're driving, parked, or off-roading.
Personal Belongings & Equipment Coverage
Protects the belongings inside your RV or camper, including camping gear, electronics, tools, and custom features.
Vacation Liability
Covers your RV while it’s parked and being used as a residence — essential for campgrounds and RV parks throughout Kentucky.
Emergency Expense Coverage
Helps pay for meals, lodging, and transportation if your trip is interrupted due to a covered loss.
Uninsured/Underinsured Motorist Coverage
Provides protection if you're involved in a crash with a driver who has little or no insurance — a major concern in rural Kentucky.
Add-On Coverage That Matters
Enhance your policy with optional protections built for Kentucky’s terrain and travel patterns:
Roadside Assistance
Get help with towing, flat tires, dead batteries, or mechanical breakdowns in remote areas.
Total Loss Replacement
Replace your RV or travel trailer with a brand-new model if it’s totaled early in its life.
ATV Trailer Coverage
Protects your trailer and equipment during transport on Kentucky roads.
Why It Matters
Why It Matters in Kentucky
From Pulaski County campgrounds to the trails of Red River Gorge, Kentucky offers endless outdoor adventures — but recreational vehicles come with serious risks. RV collisions, ATV accidents, wildlife damage, and uninsured drivers can result in major financial losses.
As local independent agents, we understand Kentucky’s roads, backroads, and off-road terrain. We build RV, camper, and ATV insurance policies designed for how you travel and where you explore.
FAQs About RV & ATV Insurance in Kentucky
Do I need insurance for my ATV in Kentucky?
If you ride on public roads or public land, yes — ATV liability insurance is required.
Do pop-up campers and travel trailers need insurance?
Yes. We cover teardrops, fifth-wheels, toy haulers, pop-ups, and all other trailer types.
Does auto insurance cover a towed trailer?
Only for liability. Your camper or trailer needs its own policy for complete protection.
Are belongings inside my RV covered?
Not automatically. We offer additional coverage for personal items, electronics, outdoor gear, and more.
Should I keep my RV insured during off-season storage?
Yes — theft, fire, storm damage, and vandalism can occur year-round.
Adventure Further — With Coverage That Goes the Distance
Whether you're going off-road, on the road, or completely off the grid, we help you stay protected with customized RV, camper, and ATV insurance tailored to your Kentucky lifestyle.