TIRES: There are lots of good choices in 16" LT tires. I'd skip the premium brands like Michelin, Bridgestone, Continental and Goodyear and look at second tier brands such as Toyo, Sumitomo, Cooper, Yokohoma, Hankook, Firestone (a Bridgestone brand), or BF Goodrich (a Michelin brand). They combine top quality standards with moderate prices.
INSURANCE: These days all the big insurance brands know enough to write RV-specific policies that provide house-like coverage as well as the vehicle. YOU need to figure out what coverages and amounts and deductibles you want, though. Few company sales agents know much except selling more coverage to earn more commission. As RV specialist agency such as Millers RV Insurance can help you some and also seek out better pricing from among their carriers, but don't be afraid to ask why you need a coverage they suggest. And shop around for prices - different companies have widely differing structures for their premiums and it's not unusual for one company to be 1.5x or 2x another.
COLLISION & COMP: If your RV is valued at $10,000, I would think you would want collision and comprehensive coverage on it. Obviously there is a premium cost to be considered, but most of us would hate to lose a $10,000 asset. And it doesn't take much damage to "total" an RV these days. Make sure you know the value the insurer will pay, though. Actual Cash Value (ACV) is often less than what you paid.
