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.