Full time "RV" insurance for a standard conversion van

My coach is insured as a vehicle for the chassis and body and like a house for the contents, by the same insurance co. I once converted a van to a RV and DMV did the registration change. A RV requires a place to sleep, place to cook, and a toilet serviced by holding tanks.

Lot of Nomads use their cars, trucks and vans without the RV destination and probably have little or no insurance.

The insurance problem becomes real when there is an accident where someone is injured due to the fault of the vehicle owner.