RV insurance is uniquely designed for recreational vehicles, so it is not the same as your regular car or truck insurance. A specialized recreational vehicle insurance company will offer policies for problems and issues that are specific for RVs. The typical auto insurance company does not, so their coverage options are not suitable for RVing needs. With specialized coverage you can get full value (not depreciated) if you need to replace damaged components - including awnings and tires - covered by comprehensive and collision. There is also total loss replacement or agreed value option that is only available with RV specialized coverage.