There is a difference with insurance for those who still have their own home and those who are living full time in their RV. Those who still own a home that is insured are protected with liability insurance. That liability insurance from your home owners policy often can be used to cover liability issues when using your RV. Those with out a home or home owners insurance should make sure they get liability insurance coverage for their RV. For one visitor to tumble down the steps leaving your RV could really cause injury to the person and injury to the RV owners wallet... with out insurance to cover the costs of that injury.
We selected a company called
RV America Insurance when we decided to go full time.
Link:
http://www.rv-insurance-coverage.com/fifth-wheel_coverage.asp
We have our Bighorn covered with this company but not the truck. The Truck insurance is with
State Farm Insurance, we've had that company for most of my driving years.
RV America Insurance is only a broker who puts together a policy needed for your requirements. (As I Understand it) They also provide coverage for Medium duty trucks.
Below is copied from their web page...
RV America represents six top-rated companies. Through these companies we’re able to provide fifth-wheel, camper trailer insurance and travel trailer insurance on more risks than a typical agency or direct writer. Because we represent these six companies, we can usually offer lower premiums and better coverage. All of this incredible coverage comes from companies rated A, Excellent, or higher. The coverage provided by these companies is far superior to the modest coverage you’ll get with a typical auto carrier.
Total loss replacement
24/7 roadside assistance
Accessories coverage
Emergency expenses
Full-timer coverage
Fire, flood, and theft
Collision coverage
Low-Branch Collision
Personal items replacement, and more
Good Luck with your search for affordable Insurance.