We are talking about two different things.  First, the insurance company may rate the Westy as
an RV, which normally lowers the premium.  Second, there is RV insurance, which, as you
mention, covers some additional risks.  This was developed by the insurance industry to serve
the growing full-time RV market, since it covers many of the same risks usually covered by a
homeowner's policy, which many full-time RVers don't have.  In my case, my umbrella liability
policy covers those additional risks as well.

Now, I do differ with you on one point.  If you rent a camping spot, you are renting it from
someone.  Commercial campgrounds carry their own liability policies, and the government self
insures.  In many cases, they would be liable, not you.  The exception would be if you were
negligent and created the hazard.  Many homeowner's policies would cover this (check yours).
If not, is is certainly covered by an umbrella policy, which anyone with substantial assets
should probably be carrying.

Bill in the Southwest

----- Original Message -----
From: "Dennis Haynes" <dhaynes@OPTONLINE.NET>
>
> While you may have a reduced rate, do you really have RV insurance? When
> you rent a camping spot, you are now liable if someone gets hurt on that
> spot. Does your insurance cover that? Ask your agent to show it to you
> in writing. This is just one example of the differences of RV insurance.