Our RV insurance is through our home policy.
If the RV is connected to the TV, it's covered under the existing auto policy (no rider on this!), but the theft/vandalism/damage (stationary, not being towed) coverage is through a rider on our home policy.
Just a note: Your auto policy should cover the RV if actively towing for both damages received (not at fault collision), or liabilities (trailer sways and clips another vehicle, damaging said vehicle).
If the RV is parked, unattached to TV, and rolls down the hill and smashes into something, it's the home policy rider for that RV that comes into play here.
Edit: A tree falling on the RV while towing behind the TV... I have no idea which policy comes into play. :P
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