I'm in Canada, probably somewhat different. I recently switched our class C motorhome from company A to company B - same coverage at a third of the price. A didn't allow dropping the liability coverage for the winter while B does. The price was so good I didn't choose to do that because it is nice to take it for a drive every month.
Our MH is 14 years old so I don't have damage to it covered. Windshield coverage is worthless because the deductible is higher than the cost of a windshield replacement.
I want insurance for a disaster, not things I can manage myself. We have collision coverage on our newest vehicle but with a high deductible after it is several years old because claiming a $1000 for a dent I can live with will cost $1000 in higher premiums anyway.