Excluding liability you may want to insure your RV for Comprehension
(Fire- Theft- Collision- Vandalism etc...)
And possibly first 5 year replacement value.
Last year a wind came up and tore the awning off our new trailer.
My cost was $100. AAA cost was $1300.
HTH,
Bill B. (Michigan)
2007 Dodge Ram 2500 MegaCab CTD
2007 Jayco Eagle TT Model 322FKS
We have a seperate policy for the TT which covers theft, collision, loss of use, towing, contents etc. For the $260 yearly premium, I have peace of mind.