What would they care if you full-timed or not.
It has to do with calculating their exposure to risk, and guessing at the premiums required to cover policyholder's losses.
A true "recreational" vehicle that is parked behind the owner's house 50 weeks per year has less exposure to a collision than a full-time 'RV' that might be running back and forth across the country, and staying in 60 different places each year. "Homesteading" full-timers who rarely if ever move, but keep plates on the RV. are probably such a small segment of the industry that they don't show up on the insurance industry's radar.
With a passenger car, they ask us:
- Pleasure use only?
- Short commute to work, less than x miles?
- Long commute to work, over x miles? or
- Used in business? (e.g. Project Manager or Outside Salesperson)
There are vehicle use classes based on the answer, just like rating the answer to the questions:
"Who will be driving, how old are they, and what is their accident history?"
In other places they might ask instead for a miles driven per year estimate.
The more a vehicle is on the road, the more opportunity there is for someone else to drive into you. (I know WE are all good drivers.