You can, and should, carry insurance on the windshield, whether it is packaged as "standard" or an extra. Then, even if you carry a high deductible, you want to let the insurance company handle the claim, because they get a better price for you.
Last one I replaced (on an Accord) the $240 cost was within my $500 deductible, but the retail prices I had been getting for the replacement were in $600-800 range.
A motorhome windshield will be much higher cost. Risk probably depends on how much exposure. I've been on a lot of motorcoaches with broken windows lately, particularly the one piece windshields which like to grow long cracks up from chips near the bottom. But those guys are on the road all the time.
Tom Test
Itasca Spirit 29B