Moho and toad insured with different companies?

Your question is exactly why I decided to insure both my truck and 5th wheel with one insurance carrier. I could see all the possible hassles and battles on the horizon and didn't want anything to do with them. At the very least it seemed to me that there could be a delay in getting any needed repairs if I was dealing with two insurance carriers. So I have both with National Interstate thru Miller Insurance.