The difference between a standard policy and Full time is:
1. General liability protection. Trip and fall, injury on your site.
2. Contents coverage for personal items. Clothing, electroncis, pots and pans etc.
The rest of the policy is more or less identical. Comprehensive and Collision are standard coverage and apply just like they would for a vehicle. These coverage are very broad.
IF you have a Class A or other kind of driving RV, the policy will have liability coverage for damage you cause while driving. This is different than the general liability above. The two types of coverage are for different things.
If it is a tow-able, the tow vehicle policy will have liability which will cover any damage you do to other's or their property while in motion.
2019 Grand Design Momentum 395
2018 Ram 3500 DRW 4.10
2014.5 DRV Atlanta (sold)
2008 Newmar 4330 (Modified) Sold