Parking permanent on personal property, no doubt, will have different insurance requirements. But just for your enlightment, considering you are relatively new to RV ownership, here's a breakdown of what insurance is normally needed for a new unit (a towed trailer, not a drivable motor home). And if getting a loan on the unit, the lending institution will require insurance also. Here's a breakdown:
When a trailer is hitched to the tow vehicle, the tow vehicle's insurance covers the trailer if the rig is involved in an accident, same as the tow vehicle alone. However, it does not necessarily pay for replacing the RV if it is damaged. It may, it may not, that depends upon the policy. It does cover if the trailer backs into another vehicle and causes damage to the other vehicle.
Second, there is actual RV insurance. This covers everything when the RV is not hitched to the tow vehicle. It covers things like fire, theft, vandalism, hail damage, a tree falling on it, or flooding type of stuff.
Third, there is your personal property insurance. In other words, if you could take the camper and turn it upside down and shake it, everything that would fall out is considered personal property. Personal property insurance is usually covered with a home owners police, as the camper is considered an extension of your home. So, if you had a lap top computer stolen from your camper, it's the same as if you had a laptop stolen from your stick-n-brick house.
Fourth, there is liability insurance in the event someone were to slip and fall (say, inside your camper) or even at your campsite, say .... if they tripped over your garden hose. These are type of things that "could" happen that the campground is not responsible for. You cannot be held liable if there is a hole on your campsite and someone walks into it and breaks there ankle. It was the campgrounds responsibility for the hole to start with. However, if they tripped over a garden hose at night because it was stretched in an unreasonable manner across your site (like a booby trap), then your home owner's insurance would cover that. The same is true for dog bites also (which actually happened to my parents when I was kid, our dog bit a little girl while camping).
Last, if you carry weapons (guns) you may need special insurances to cover those types of specialty items or items that may need extra insurance, like jewelry, specialized photo equipment, high tech electronics, or something like that because more than likely, personal property insurance will have a ceiling cap on how much everything will be insured for. That ceiling cap may be $100,000 or it could be $25,000.
For total protection of your RV and your RV lifestyle, these are the insurances you'll need, if that be some, or all, or a pick-n-choose flavor. It's your call.
Of course, depending on the age of your camper, it simply might not be insurable at all. And remember, all of these insurances will have a deductible. If the deductible is higher than the value of the camper, then there is no need to have it insured. But you will probably want insurance for some of these other things.... like personal property.
