Hello Marie - I had a similar situation. In February of this year I called the code enforcement office in the little town I live in to ask what type of license I would need to join Airbnb. I was told I did not need a license unless I had 5 or more rooms (I only have 2). A couple of weeks ago I attended a county commissioner meeting to complain about a road project and two days later the code enforcement officer called saying I needed both a business license and a tourist license. Go figure right?
If I were you I would call either the local city or county government for advice. I can't imagine what the reason would be for them not letting you rent out your boat and RV short of having the right type of insurance. Best regards, Roger