State Farm also offers Comprehensive Only coverage when you are not using your motorhome. It save a huge amount of money. If you have a loan on it though, you need approval to do this with the lienholder. In Michigan they also give you a 50% discount on the motorhome rate if you also have at least 1 car insured. Then there is an additional discount on your car and house if you have those both there also. Combining all things at a company that will allow storage coverage on the motorhome will probably save you a bundle.