Not sure what you meant by "Geico doesn't offer Total Replacement"
next person: i don't know what you mean by they wouldn't offer you a combined quote?
I have had Geico and LOVE them! great on the phone, great local reps, and when I filed my claim from that 6" hail OKC had... it took them 2 days to get out (1 was a sunday) and on that 2nd day, they cut me a check right there infront of the MH. DONE! no questions asked, adjuster looked over rv with me, asked me a few questions about the coach, typed up his report and cut the check. I pay $97 for full coverage on the MH a 1993 32' Cobra Wide Body and liability only on the toad a 1995 S10 Blazer. A lot older I know but still the coverage is great. I recently added my 1981 work van for a whole $11/mo more!! lol If you have your toad with your RV you get the multi vehicle discount. So i'm not sure why they wouldn't offer you a plan with toad and MH....
that is my .02, I HATE their commercials but their service has been A++
"Now why would you want to do something like that?" - My Dad