So I was on the fence myself with this as I have a 1990 Coleman popup that I have had for the past 6 years without incident. And being that it was paid for I never even considered insurance.
Last year I purchased a new to us 2010 Rockwood HW276. With it being all new and shiny I decided to get a policy thru Nationwide (also have home and auto with them) and the policy was only $11/month. Back in May while camping at Fort Wilderness a tree limb fell on the roof and punched a 2" hole thru the fiberglass roof. The fix.......complete roof assembly replacement.....total cost $3k. Deductible...$150. I do not regret the insurance!
2010 Rockwood HW276
2014 Honda Ridgeline 4wd
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2014 F-150 XLT Supercrew 4x4, Timbrens
2015 Zinger 28BH