When it comes to protecting your valuable RV, it's not just insurance protection you need. Yes, we need to protect our recreational vehicles from major catastrophes.
You can purchase collision and comprehensive insurance at most insurance agencies in your area. There are many companies that offer RV rental in San Diego like RV fun rental
While insurance can give you protection from a tornado, fire, and flood damages, it does not cover the everyday smaller, harmful damages?
However, don't forget about the everyday protection from the milder elements. Ultraviolet rays from the sun can cause a continuous break down of your exterior structure. Wind damage is covered by your insurance, but not the day to day windblown sand, generally smaller debris damage such as limbs and sand.
Don't forget those bird droppings, mold, and mildew to clean up also. The smaller damage cost may be below the deductible. With continuous damage, most insurance policies will not consider those as they are not sudden and accidental.
One possible solution is structural covers. They may be made from metal, wood, or fiberglass. They may be just a roof covering as we see many times or they may be rooftops and partially closed insides.
They may also be fully enclosed, although this is not the usual case. However, one drawback is the cost of such coverings. Another is that you cannot carry them with you when you are away from your home.
What about when you are on the road traveling? Many find a location they like, and leave the RV in a storage lot area until they return later. They may leave it for a few weeks to months traveling back and forth without having to haul the RV each time.