I have always been of the opinion that when it comes to your vehicles and house,you can't have too much insurance. I have $200 ded on comp and $300 on collision on my P/u,MH and the toad and I may have to pay a bit more for it,but I can't always write a large check for damages.
I know of a guy that had his rig vandalized to the tune of over $1200 and he had $1000 deductible on comp.I also cover the MH,even when I'm not using it,because they can still have something happen to them then. They can catch fire and burn down or like my Tradewinds LTC,had a tree branch fall on the roof and the total for a new roof was $7300 of which my ded was $200. If I had the kind of where you call and cancel it till you go out again,that check would have been the whole $7300.