I don't see this mentioned yet, but if you are a full timer then you get full timers insurance. I'm not a full timer and I don't have that type of coverage, but my understanding is full timers insurance is a lot like a homeowners insurance policy. If your motorhome is in the shop because of a covered accident, then they pay to put you up in a hotel until it's done. Full timer coverage also provides you with liability protection similar to a homeowners policy in that you are covered for things not related to the motorhome.