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In Canada, we have our coverage for the trailer with Aviva through Wayfarer Ins. They are one of the only RV specialty companies available here. The cost is rather high as compared to the USA, at $1300 per year (plus tax) for full new replacement coverage no matter how old the unit gets. That's with a $300 deductible. But, it is in line with the higher cost for all insurance here in Canada.
Coverage is avail through most homeowners policies, but like Tom mentioned they don't have the same service or coverages. they don't know the RV industry. Could save about $200-300 per year, but we wanted to stick with the RV only company.
I know this doesn't help you guys in the States at all, but just FWIW info.
Cheers,
Bill
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