Need help choosing between Progressive and Foremost rv insurance companies. I don't have any experience or knowledge about them. The one advantage is that I can get replacement cost with Foremost but ...
I've had Progressive for years - on my boats as well as my RV. But, knock on wood, I have never had a claim.
One thing that is nice about Progressive is that they do have a disappearing deductible. It goes down every year you don't have a claim.
And yes, at least here, the TV policy will only cover liability. Without an insurance policy on the RV, you are on your own for any damage to the RV should something happen.