I wouldn't be without insurance especially since our insurance is RV Specific with worst case scenario being that I would receive at minimum what I paid for it new.
I also have more than normal content coverage since we always carry the electronic gadgets etc.
We use Gilbert & have since we purchased the TM in 08.
When it comes to my toys I prefer full coverage since I am by no stretch of the imagination Rich unless you talk to Obama that is.
Also we don't cut insurance off when in storage just in case something happens at our house such as Tree falling etc.
Insurance is & always has been something I have just in case. I also fully insured our new to us boat so that I could replace the boat if it is a total loss.
Oh one more thing TMs seem to total very easy even when damage doesn't appear that bad.
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