One type of insurance you want on your motor home is collision coverage. You need this even if your RV is a pop-up camper. The best policy is one that covers replacements costs just in case you get in an accident that destroys your unit. This covers replacement cost of an accident if you on the road or have an accident while in a campground.
Liability coverage is another type of insurance you want to get for your motor home. This is coverage so you are not sued when you have an accident and cause personal injury to someone. It also covers you if you damage someone's property or have an accident in a campground or RV park.
There are special policies for full-time RVers (those who live on the road in their motor homes). These policies usually have contingencies like a typical homeowner's policy. This includes all your personal property you are carrying with you. If you are carrying a lot of expensive items, you might consider increasing your personal property insurance to an amount high enough to cover these items. You need to speak to an insurance agent to see what they have to offer and the cost of adding this to your policy.
You may want total loss replacement added to your motor home insurance policy. This totally replaces the RV in case of an accident or fire. This is not available on all RVs, such as an older RV. Speak with an insurance agent to see if your RV is illegible for this coverage.
There add-ons to policies that you might consider. For example, there is an awning insurance and custom equipment coverage. The awning insurance would replace the awning in case of damage from storm or accidents. The custom equipment coverage covers add-on equipment that you installed after the coach was built by its manufacturer. This includes items like satellite dishes, murals and TV antennas.
Some policies have diminishing deductibles, meaning your deductible goes down each time you do not make a claim with your insurance company. You have to speak to your insurance agent to see if could get this on your policy.
