Any advice for liability & basic contents coverage [high-deduct] for year-round s
Any advice for liability & basic contents RV insurance [high deductible] for year-round living in stationery location at an unincorporated rural Texas site?
I sold my conventional home and property so the only liability coverage I have at present is on my older model car (so I have my doubts whether there would be much advantage to "bundling" but I"m certainly open to changing my auto insurance company if the bundling is advantageous.)
If I buy a used fifth-wheel for under $20,000, I don't know if coverage on wind/fire/theft replacement insurance on the RV itself is cost-effective or not. I've not investigated it before. (I'd certainly want a very high deductible.]
[By the way, I've discovered some obscure and mutually contradictory State of Texas laws which might impact my exact geographical location of RV placement, so I've also wondered if due diligence in terms of appropriate liability insurance coverage MIGHT possibly attract some sort of government bureaucratic hassles at the county level. So any anecdotes on that topic would be appreciated also.]
FT'er,38' 5W/ToyHauler but no toys; rural eastern Texas 140mi.from Houston coastline.[On-grid gray/black-water code-compliant.] Interested in feedback re: climate/mold issues, vermin/pests/coyotes, energy-conservation tech & experiments, passive solar, RV security.