Be sure to specify to your insurance quoter that you are looking for FULL TIMER insurance. Think of it as a combination home owners and auto insurance policy. i.e.Someone trips inside your rig, you're covered. Same with comprehensive. Total loss includes expanded coverage. IIRC, Foremost no longer writes full timer insurance. Progressive, Geico, FMCA and Good Sam are a few who do. Study the policy you're being quoted carefully. Don't buy strictly on price. Cheap isn't always better. You don't want to find out you're not covered properly when you need it after an incident......Dennis