by 
The Curious Bag
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Purchasing insurance for an RV is much like purchasing insurance for a car. There are a number of factors that determine the cost of insurance for your RV.
Location
Your address makes a difference in your insurance rates because of crime rates. The company may give you cheaper rates if you park it elsewhere, or by adding security devices.
Style
The type of RV you have--its style, size and age--can cause rates to be high. Many companies believe the larger the RV, the harder it is to control. Trailers can be more expensive than fifth wheels because they can be more of a safety hazard.
Replacement
Replacement values cause the rate to vary. If your RV is worth $10,000, you will pay less than one worth $500,000.
Home
You can count on paying more if you're going to live in it full time, in comparison to using it just for vacations, because you must insure your belongings and vehicle.
Roadside Service
For additional costs, you can add roadside service with your insurance. This is useful because RV tires are much larger than cars and can have much more difficult repair problems.
Source:
Poliseek: Insurance Search Engine
RVBasics: Tips on Buying RV Insurance for Your Motorhome, Travel trailer or Fifth Wheel
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