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Our insurance, National Interstate, insured in Texas provides us with full coverage on both our TV and Montana. We have fulltimers insurance (100,000/300,000) with Medical Payments (5,000/person, 50,000/Accident). Our total premium is $1444/annually (RV-721, TV-723).
I guess if you have a stick house and are not full time, then your premiums are quite a bit lower than mine. I got the coverage I needed, or felt that I needed so that we don't have to be concerned if anything happens. But then, we have insurance and hope against hope that we never have to use it and the insurance companies can get rich.
Orv
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