As tahiti16 pointed out, full timer coverage and 12 month coverage are two different things. If you are going to be a full timer and not have a home owners insurance policy and you have assets, then you really need full timer coverage. That gives you that liability protection for events that don't involve driving your vehicle. And although those events are rare, you could find yourself if deep financial trouble if one of them happens and you don't have coverage. Part of that liability coverage pays for lawyers to defend you in the event you get sued for something that is covered.