Here’s the breakdown of my coverages. I do not own a home or rent an apartment.
Full coverage on my truck which also extends liability coverage to my fifth wheel when I’m towing. $1048 a year.
Full timers policy on my DRV which covers liability when parked (in case Lil Billy from the next campsite runs under my fifth wheel and splits his head open on my kingpin for example). It also covers comprehensive (fire, theft etc.) collision (hitting something, tree falling on it, etc.) emergency living expense (just like homeowners) and replacement of personal effects (clothes, linens, dishes, etc. $1504 a year.
Plus an umbrella policy. Couple hundred bucks, don’t remember exactly.
I get it all from the same company which should simplify things if I have to file a claim which I hope I never do.
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