National Interstate caters to RVers. We have a full timers policy with $1000 deductible. Our brand new 2009 Monaco Monarch had a run in with a tree last summer. It was actually the fault of the Boiston/Cape Cod KOA and their negligence in cleaning up their dead trees (unresponsive btw, I will NEVER use a KOA again!). National Interstate paid for a "like new" repair, including mold remediation (minus my deductible). If you are close to your premium cost, I HIGHLY recommend them for insurance service.