Insurance companies earn investment profits on "float". Float, or available reserve, is the amount of money on hand at any given moment that an insurer has collected in insurance premiums but has not paid out in claims. Insurers start investing insurance premiums as soon as they are collected and continue to earn interest or other income on them until claims are paid out. The Association of British Insurers (gathering 400 insurance companies and 94% of UK insurance services) has almost 20% of the investments in the London Stock Exchange.[26] In 2007, U.S. industry profits from float totaled $58 billion. In a 2009 letter to investors, Warren Buffett wrote, "we were paid $2.8 billion to hold our float in 2008."[27]
How much you’ll pay will depend on factors like how much you use your RV, how much coverage you want, your driving record, and your age. You may qualify for one of their discounts. For example, you can get a discount if you pay in full, if you have completed a defensive driving course, have OnStar, have low mileage, are a member of an affinity organization that provides a discount, or have multiple vehicles insured with National General.
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Howver, that is not the case anymore. When I checked with them, a few years ago, you know I could,have gone anywhere.  I have a clean driving record, excellent credit, safe towing vehicle, positive insurance scoring.  I ticked all the boxes that insurance companies look for and could have gone anywhere as I wrote above. However nobody could even touch Progressives RV insurance rates.  I mean that the competition is not even close. To obtain these lower prices, you should be a member of USAA, that is their business partner for many products and services.
You’ll notice that none of that liability coverage pays for your car or injuries, nor for any injuries your passengers sustain if you cause a wreck. This is why many people — particularly those whose car isn’t yet paid off — want “full coverage” car insurance. This isn’t actually a type of coverage, but instead typically refers to policies that include liability coverage, plus comprehensive and collision coverages.
Companies also needed to offer full-timer coverage for those who live year-round in their RV; full replacement coverage in the event the RV is totaled or stolen; personal belonging coverage for the property inside the RV, including electronics, appliances, and jewelry; vacation liability coverage for injuries that occur at the vacation site where the RV is parked; and permanently attached items coverage for items like satellite dishes, wheelchair lifts, or retractable canopies. Finally, companies also were required to cover most, if not all types of recreational vehicles.
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