Should be no different than a motorhome. I’m pretty sure she can write it.
Should be, but I get lots of lame excuses. One of my favorites is Progressive who says that the wheels are closer together, so they won't do it because it would be too top heavy. Like 75 kids at 100 lbs each is not gonna add 7,500 lbs above the floor level? (I've even gone so far as to measure the wheel widths - no difference on a small sample of 4.)
Maybe you could forward this to her, or does she read all these posts? I've talked to several, and the main ones that come to mind who brag about all the coverage they do - don't. (Progressive, GMAC, Geico, Travelers, Foremost, Allstate, AAA.)