Insurance recommendations for Class C

I’m in Canada so dont have experience with US companies. I did have an interesting experience after using TD insurance on our small class C for years, and reducing the coverage to fire and theft for the winter months when not camping. Cost of roughly $250 a year. All of a sudden they said I had to keep liability insurance year round, increasing the cost a lot. It happened we bought a used wheelchair minivan with a loading ramp and low floor. TD refused to sell insurance for it until I had it towed to a city more than an hour away so they could figure out its value. It had been insured by Cooperators so I called them, getting an an employee who knew me. She had no problem emailing a pink card insurance certificate in 10 minutes at a reasonable rate. We didn’t want collision insurance on the 6 year old van anyway. Later I got a quote for the motorhome - one third of the TD price for the same coverage. And I could reduce that if I didn’t keep liability coverage in the winter. When I called TD to cancel the guy on the phone told me TD was not interested in insuring motorhomes so they didn’t have a good price.