First off, we paid cash for our camper. Secondly, when sitting at your house, the homeowners policy covers any damage like storm or tree falling on it. When hooked up to your truck moving down the road, your car insurance covers it. The insurance for the camper is for when it is sitting at a campground or perhaps water damage from defective material. This was all discussed with the insurance company this morning. Therefore not needed since it will just be in our yard for the next six months.