BearMacDaddy,
Fulltime Rv insurance is the same as RV insurance with one important difference. Fulltime insurance assumes that you do not have personal liability (included with homeowners or renters insurance). Therefore, it is an optional coverage that is added to your policy.
Check out my previous posts for what to look for in an RV policy,
http://www.montanaowners.com/forums/...=,rv,insurance.
I have represented Foremost for many, many years. They are an outstanding company that in my experience has provided excellent claims service. I have also found them somewhat uncompetitive in our area for RV's. If you want to PM me with the coverages, I'd be happy to give you my thoughts.
Ken