South Dakota Full-Timers - Insurance question

[Big-Foot]

We retired a few years ago. We’ve changed our state of residence to South Dakota a little more than a year ago and use a Mail Forwarding service.
We’d been running our insurance through our old sticks-and-bricks state (Minnesota) but we’re informed by our agent that since our Motorhome spends more time out of MN than in the state, that we need to buy Full-Timer type of insurance and they don’t sell that as they are not licensed outside of MN.
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We’re curious how others have done this and what is reasonable to pay for our small motorhome (Thor Vegas)?
Any other recommendations would be nice to hear as well...
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Before you ask -
Yes we still have the house in MN, but we spend about 5 months using it as “home base” while we sporadically travel during the summer. Think of it as a cottage. We spend the other 7 months on the road and in our trailer in AZ.
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Thank you!