This motor home insurance provides personal liability coverage only when the
motor home is parked off public roads and while the unit is used for
recreational purposes. It does not overlap with or apply to any loss payable
under automobile liability coverage. For example, if the insured's friend
slips on the step of his parked travel trailer and is injured, coverage is
provided under the vacation liability option. It also does not apply if motor
home full-timers coverage is purchased instead. Unlike full-timers coverage,
which grants broad personal and premises liability coverage, vacation liability
applies only to a loss at the campsite or at the motor home. Thus, some
insurers refer to this as campsite liability.