Is your MH a larger Class A or a smaller class B? Is it new or used? a new MH you can get replacement cost insurance, total, even years later, you get a current replacement. Other types will pay you the depreciated value. Also not all Auto Insurance Cos cover RVs and even if they do they may not in YOUR state. We just lost our Company after 10 years. Had to switch. Our Auto co would cover us but at much higher cost. If you are an FMCA member they have an arrangement with a couple vendors. Or try the Tobin Agency. They've handled our
MH coverage since day one. I've not been able to beat their quotes.