Total Loss Replacement
If you purchased a new RV (or plan to), then you may want to explore this protection plan. Most insurers protect the first five model years. This plan will replace the model in the case of a total loss. The beauty of this plan is that it generally covers the cost of the new model even if the price is higher than the original.
This is more akin to homeowners insurance, to be used when the RV is parked and used as a residence. This can also cover the costs of emergency treatment and medical costs of those injured in the proximity. Traditional RV policies are not usually written with full-timers in mind, so you will likely need to ask about a special policy to obtain the coverage you need.
Also, since you're not necessarily moving into your RV full time, should you still have to pay insurance while your vehicle is in storage?
You can suspend portions of its coverage while the vehicle isn't in use, which is helpful in reducing RV expenses while it's in storage. Good Sam Club Insurance (www.goodsamclub.com), for example, has a storage option that claims it can help you save an average of 53 percent off your premium when you're not using your RV.
Treat your search for RV insurance the same way as you do with regular auto insurance. Your research should be based on the many policies available that will cover your needs, and not on finding the lowest price. Look for the best price for the best coverage available to you. Lastly, you may qualify for discounts, so don't be shy when asking an insurer what types of discounts are available.