While a Personal Automobile policy will provide the same coverages that apply to your personal autos, there are vast diffences in coverages and services provided by RV insurance companies, that it is definitely worth looking into purchase specific RV insurance.

What if the RV breaks down?
All personal automobile policies offer towing coverage in increments of $ 50, $ 75, and $ 100, and some even higher.   Towing an RV generally is much more expensive than towing your typical family automobile.

Some RV insurance policies will also offer emergency expenses such as temporary living quarters.

Roadside Assistance Coverage provides towing TO THE NEAREST QUALIFIED REPAIR FACILITY and necessary labor at the time and place of disablement when the RV is disabled due to a mechanical or electrical breakdown, battery failure, insufficient supply of fuel, oil, water or other fluids, lock-out or entrapment in snow, mud, water, or sand within 100 feet of the roadway. Coverage extends to trailers and vehicles being towed by a Motor Home and vehicles towing Travel Trailers U.S. or Canada.
 

Valuation in the event of a claim
Personal automobile policies offer "Actual Cash Value" on a totaled or stolen vehicle.   With an RV insurance policy, the insurance company will offer three options to covering the RV at the time the policy is purchased.
Agreed Value: Pays the rating base (agreed value) as reflected on the declarations page in the event of a total loss regardless of the actual cash value. Agreed Value is available on all RVs. Verification of the rating base is required. For RVs purchased in the last two years, the sales receipt can serve as verification of the rating base. If a sales receipt is unavailable or if the RV was purchased more than two years ago, an appraisal will be required to verify the value of the rating base.

Total Loss Replacement: In the event of a total loss, this coverage replaces the current RV with a new untitled RV that is to the extent possible, the same make and model, and which contains comparable equipment. Total Loss Replacement is available on previously untitled RVs that are up to one (1) model year old and do not have pre-existing damage. For RVs over five model years old that experience a total loss, the insurance company will pay the purchase price as reflected on the declarations page of the policy.

Actual Cash Value: The most economical loss settlement option. All total losses will be settled by paying the lessor of the value of the RV at the time of the loss, less the deductible or the value displayed on the declarations page, which was entered as the rating base for the RV.

Personal Property
If you're like most RVers, you have personal property in your RV.   A Personal Automobile policy will not cover or replace those items.   RV insurance offers you the option to add this valuable coverage.

Vacation Liability
When you park your RV at a campsite, you may be liable if anyone gets hurt on the campsite that your RV is parked.   RV Insurance offers low cost "Vacation Liability".

Vacation Liability Coverage pays up to specified limits for bodily injury and property damage for which the insured is legally liable as a result of an accident that occurs while the RV is used as a temporary vacation residence. $ 10,000 is included when physical damage (comprehensive & collision coverages) is selected.  Up to $ 500,000 is available.

Other Features
Insurance companies are now offering "disappearing" deductible, which means that each year you go "claims-free" the initial deductible that your chose for comprehensive and collision coverage, the deductible reduces by a certain percentage.