Although auto insurance can insure RV’s and motorhomes, it is not designed for this specifically. The auto policy often won’t provide the full line of liability or collision coverage that you might need. In addition, it doesn’t cover all of the possessions you may have in your RV such as clothes, computers, satellites, sporting and camping goods, jewelry, and electronics. There are companies that write separate RV insurance policies that are usually more comprehensive and more economical than adding on to your auto policy.