Thank you!
I did call my insurance company back to have them further explain what the exact difference were between the different policies. She said there really isn’t much of a difference in the coverage, but that it is based on what the rv’er qualifies for based on rv their situation. She said during the questions part of the quote if an rv’er is “mobile” in their rv then the policy will be like what we have (which includes coverage just like a homeowners policy as well as liability). If an rv’er is “stationary” for a year or more (or will never move) then that’s when the comprehensive policy will be given. She did say that most insurance companies will be this way and is based on how much (or not at all) you move your rv. The quote I got from Foremost for the “fulltimers” policy was not a replacement cost policy and they quoted the exact same coverage but costs way more. As far as replacement cost on an rv, Foremost said they will only cover up to your purchase price but it is still based on actual cash value and even if they say they will replace the rv with like kind and/or price it will still be based on ACV. I had gotten a quote also from progressive and their total replacement cost on the rv was the same as Foremost and would only pay based on value of the rv and we all know rv’s Don’t hold their value very well. So if they say replacement cost have them clarify how they define that.
So what I have learned these last two days is that if you have liability, comprehensive, collision, emergency expenses, rv medical, replacement cost personal effects then you have everything covered.