We have a caravan for our sins (older bodies and sick of low beds, poor headroom, faff of wet usage etc) and we're members of both clubs BUT our annual pitch usage doesn't cover cost via the 'members rate' HOWEVER each club has either our car insurance, or our house insurance, caravanning insurers are by far the cheapest (by a country mile) for the 60-90 days of the typical 'snowbirds' buggering off to Spain (or further afield) lots of other comapanies just don't understand or want 'risk' of. LV+ does do car insurance for euro use that is occasionally as cheap.
PS. Note that a weekly/fortnightly house visits are still needed, but not full drain down or heating set to 'cremate' unlike most other companies.
PPS. Some normal companies have 30/60 day limits of duration but are worded 'per insured period' (not per year) so lots of snowbirds take their caravans to Southern Spain very early for better ferry availability (it is crazy busy just after Xmas and into Feb) so a lot just fly back for a 'reset' visit (say NY) then another overnight as needed, flights are just silly cheap booked early (before C19 obv.)