When we first started traveling in a RV I was very concerned about what would happen IF we had an accident. After all not only would I possibly lose my vehicle but my home on wheels in the same moment.
We searched high and low and found a company that would offer FULL replacement value should we have a complete loss. Not only that they cover the items in our home on wheel as well.
We all have near misses (especially with the way some people's children) drive today but there's a certain piece of mind I've had since the day we purchased our RV insurance that if the worst happened at least we'd be back on the road sooner than later.
This is also the same company that paid our furnace claim when hornets built a nest in it and it broke (or exploded...) See this post for that story.