Most people do not understand that most insurance companies write "rv insurance policies" the same as they write auto policies; unfortunately, most people don't know this until it is time to make a claim.
Your RV should be insured more like a home than a car or truck. That is why it is super important to go through an RV specialist agency for your RV insurance. They offer full replacement, liability, and they have coverage for the contents of the RV, which can really get high after you start adding in laptops, tablets, tvs, refrigerators, generators, etc.
These 3 are really dependable RV Specialists and have been around:
RVInsurance.com - www.rvinsurance.com
National General Insurance - www.nationalgeneral.com/rv-insurance
Good Sam Insurance Agency - www.goodsamrvinsurance.com
Be sure to add to this list if anyone knows any other specialist companies.