We will be buying a 5th wheel to park and live in. No traveling. I am having a hard time convincing myself that I need any type of insurance. If a tree falls on the RV I am prepared to pay to get it fixed. We will be living in Florida and have already gone through Hurricane Ivan in our home. Not a nice experience but we didn't catch too much damage. The RV will not be involved in financing to any extent so I don't have to worry about a bank requiring insurance. We lived on a sailboat for 10 years and never had it insured. Is there anything I'm missing?