Rv insurance comprehensive coverage language?

Hi all. I am reviewing my coverage, and presently insured by National Interstate. I have never filed a claim thus have no knowledge of their claims practices...but that isn't at issue here.

I recently read the comprehensive section of the policy and the exclusions listed seem to pretty much negate coverage for water leaks etc. Does anyone have coverage with an insurer that provides more consumer friendly comprehensive coverage on an RV policy?

As an example, I am concerned that damage caused by freezing or gradual leakage of water, as well as damage caused by latent defects is not covered...there must be a better policy out there???????