That seems a more or less normal policy for that usage. I would check the price on lower deductibles - at that cost you’re going to hurt out of pocket anytime something goes wrong. I find people tolerate a higher collision deductible better - after all if you hit something, it was your fault. But do you really want to pay a grand out of pocket if it gets hailed on? 
Does the policy include liability for incidents that occur while it’s being used as a second home? (basically like the liability on your homeowners insurance)
Oh, yeah. My wife is an accountant. She’s mentioned this, and plans to take advantage.
I’ll probably look into the deductible later, after we’ve got everything settled in. As for your question, I’m not sure. The remaining items I didn’t list above are Accidental Death and Dismemberment, Windshield Repair, another Personal Property, and Customization.
Then they probably don’t offer it, do check with your homeowner’s policy if it provides coverage for that. It’s a rare issue (I never had a claim for it), but if someone does something stupid like hit themselves in the throat with the clothesline you have up drying something and sues, it would be coverage to protect you. (same sort of thing your homeowner’s policy would cover for some kid drowning in your pool, or the like).
I would guess one personal property is for inside the vehicle, and one for materials outside if there are two separate coverages, but I’m not your agent, so not sure. Customization sounds like the custom parts and equipment I mentioned earlier. So a solid policy, decent price, and should help you get on the road tomorrow. Many happy road trips to you.
Speaking of RVs, I was just nosing around looking at Class A buses and was shocked to see the discounts on them. New diesel pushers at 40% off MSRP! That means the dealers are selling them at cost just to dump their inventories. I can understand that: nobody has money to spend on the high-ticket rigs and the inventory is killing them. I’m actually tempted to sell my house and live on the road. I could pick up a $250,000 pusher for about $150K, buy a used Jeep to tow behind, and still have plenty of money to live out my days.
About a month ago, Mrs. L saw an article that said this is a good time to sell RVs because people are traveling and want self-contained facilities so they can avoid COVID. Maybe she was talking about the used market, though.
That will also possibly change as things do or don’t get back to normal in various locales around the country.
I read something similar, but it was about people buying up the class B (van conversion) style RVs, not the big guys. Mine is 10 years old and I can still get $60-70K for it.
Ah, probably. At the lower price point, some could dabble with it.
My cousin and his wife bought a custom ordered Tiffin about 4 years ago. They had planned to sell it this year and return to living in a house (with some of the sale money). I wonder how much they lost in depreciation, but am too polite to ask.
To non RV-ers , Tiffin roughly equates to Mercedes.
Edit: forgot to add; I ended up driving past the big dealership where I bought mine in 2015. Their normally full lot (of RVs) was more than half empty. Someone’s buying them.
For 4th of July we went to a block party (where everyone could keep our distance from each other). The host’s brother is an RV tech. When we mentioned that we were thinking about buying a trailer (at that time), he explained that production was shut down for a while due to COVID, so the lots are all emptying out as people buy them. When we went out looking at motorhomes a week ago, we were told the same thing by the salespeople.
We brought it home yesterday. It is pretty easy to drive. After putting our stuff in it at our condo, we took it over to the RV storage area. I made a wrong turn onto a side street with a small roundabout at the end. I was scared that I’d have to try to back out, but it handled the roundabout just fine. But the backup camera is great. It’s mounted at the top of the motorhome, and shows a wide-angle area. I think if I’d had to back out, it would have been nerve-wracking, but I would have been fine.