I had a previous insurance company for 40 years and didn't do my job in checking other companies now and then. Found out it cost me thousands over a period of a few years. So I switched companies about 4 years ago . Do to that I don't show loyalty to insurance companies. However, when our house burned along with one of the vehicles two years ago the new insurance paid off exactly how I expected. In fact 3000 above book on the car. So I did give them a shot on the MH but they were in the 1400 a year area with limited mileage. This didn't work. Got better coverage from AG for 1/2 that. No limits on mileage. We are covered for personal items to 3000. For a 23' MH I cant see having much more than that in it. Also covers vacation disruption to 10,000, towing, road service, etc. So far we are happy.