Hi Jerry and Kim,
Congratulations on your Landmark purchase and welcome to the Heartland Owners Forum. You'll find lots of useful information and a lot of friendly people here who are happy to share their knowledge and experience.
Liability for running into stuff should be covered by the tow vehicle insurance.
You'll definitely want:
Comprehensive including Total Loss Replacement Cost
Collision including Total Loss Replacement Cost
Rv Medical - which if I remember, covers medical expenses for visitors/passengers who are injured while with you (hopefully avoiding lawsuits).
Emergency Expense - which if I remember, covers lodging and other expenses if you're forced out of your trailer by an insured event.
Replacement Cost Personal Effects - should cover all the stuff you're carrying that wasn't part of the RV purchase.
Vacation Liability Coverage - covers lawsuits from people walking by your RV who get hurt and decide it's your fault.
We use Geico, which covers our Landmark year round for about $800. I think their pricing is based in part on the zip code of our storage lot (even though it's not there very much).
Some Insurers offer discounts for RV in storage, but since you'll be full-time, that's probably not interesting to you.
You should also consider an extended warranty. There are many policies available from many companies. We have Good Sam's - about $650 for 3 years coverage. Before selecting, make sure you read the detail re: coverages and exclusions, as well as the insurer's policies. Choose deductibles carefully.
If you're on the road, Roadside Assistance that covers both truck and trailer is important. If the truck breaks down, you'll want coverage to include towing both truck and trailer. Otherwise you'll be leaving the trailer on the side of the road. We use Good Sam's and have had to use them once to get antifreeze delivered after a hose popped. They showed up with antifreeze in about an hour. By contrast, our first call was to OnStar for GM's help. But since it was a weekend, the best they could do was to send a tow truck for the truck only, and leave it at the dealer until Monday.
We also have Good Sam's Emergency Assistance Policy. This is primarily to get truck and trailer home if I'm unable to drive. But it paid for the first year's coverage and some by reimbursing us the uninsured portion of the cost of an ambulance ride last year.