[Wavery]

We priced insurance from our auto insurance carrier about 3 years ago. The camper has full coverage as long as it is attached to the TV....If we wanted comprehensive coverage for the rest of the time, the cost was $200 Mo (which included several other assets).

My wife and I discussed it and we decided to set up a separate account with our bank. We have an automatic transfer of $250 per month going into that account. The account now has just over $8K in it.

When we got our new dog, we checked on health insurance. We do the same thing with that and we are pooling the $ in the same account. This is untouchable funds to be used only in the event of a loss.

Works for us. However, we don't have any loan to consider and we bought our TM used. If we can stay loss free for another year, we have the entire TM covered but we will continue our habit.