I don't have a fulltimers policy but also have SF and my homeowners, farm, car & truck, rv, & umbrella liability all bundled . The rv is $550 and last March had my only rv claim. I hit a tree at the farm getting the 5er parlked & did roof damage. Repair quotes to replace roof averaged 8900. That claim was worth having insurance. RV is a 2011 Jayco.
If you set yourself up a hefty maintenance fund for repairs & those " oh no ! " events maybe no insurance on the rv but you do need something for liability.