1997 Ford CF8500 cabover == registered as RV, towing a
1980 Utility 40' OTR reefer == registered as RV.
[We picked our trailer because it is all aluminum. No wood in the floors or walls.]
We live near the outskirts of Eugene, Oregon. (Our experience with Oregon bureaucrats may not translate to your bureaucrats. If yours don't play nice, take your business elsewhere.)
We told the licensing bureaucrats we built our RV using a commercial chassis. This's all we said, then we shut-up to allow their brains to fill the blanks.
For insurance, we shopped several brokers. Yes, we got blank looks from some. Others outright stated insurance is impossible.
So, naturally, we endeavoured to persevere.
We discovered an underwriter willing to risk based on our credit rating.
It pays to pay your bills.