Which type of policies offer limited coverage for recreational vehicles?

Homeowners and Personal Auto Policies typically provide limited coverage for recreational vehicles (RVs) because these standard policies are not designed to adequately address the specific risks and features associated with RVs. A homeowners policy offers some protection for personal property, but it often lacks the comprehensive coverage needed for vehicles used for travel or recreation. Similarly, a personal auto policy may cover some types of vehicles but is generally limited in terms of the extent of coverage for larger or specially-equipped vehicles like RVs, which may require additional policies or endorsements for full protection.

This is why the other options are less suitable. Comprehensive coverage policies are aimed at providing a broad range of protections, but they are usually linked to their specific context, such as vehicles or property, and may not address the unique requirements of recreational vehicles outright. Business liability policies focus mainly on covering liabilities related to business activities and do not cater to the personal nature of RV use. Specialty insurance policies, while they might offer tailored coverage for recreational vehicles, are not the correct answer in this context because they are specifically designed for unique risks and would not include standard personal insurance coverage. Hence, the limited coverage provided by homeowners and personal auto policies is the most fitting answer for the question asked.