I also use Miller Insurance. I have National Interstate through them.
You will want "Full Timer's Insurance". It is a different policy then the normal camper/RV insurance that you would get from Allstate, etc. The reason is that you are using your rig 100% of the time instead of only weekends during the summer, so you have more exposure to stuff happening. If you call Millers and just say the words 'Full Timer's Insurance', they will know exactly what you are talking about, as opposed to Allstate, or State Farm, etc.
And, FWIW, since I have a truck and a 5th wheel, I made sure to have my truck insurance and 5er insurance through the same company. I do not want any kind of an insurance fight if both vehicles are damaged in the same accident - I want ONE insurance company to handle everything. You may want to consider that if you have a toad.
Tim
Tim.
