You are asking a good question that can only be answered by reading the policy. In general terms, you are correct in that, comprehensive personal liability coverage that is a part of most homeowners coverage is a world-wide coverage. Full-timers liability coverage is attached to an RV policy assuming that you no longer have a homeowners policy that would otherwise provide coverage. In other words, full timers coverage would be a duplicate of your liability coverage on your homeowners. I normally only sell full timers liability coverage for those that do not still own a home. If you're like us, we own a home and the Monte. I don't have full timers liability on my RV as it would be duplicate of the liability insurance on my homeowners.
To answer your question about dog bites, there is no coverage difference where it might happen. You should however check to see that there are no animial exclusions or coverage limitations with respects to pets.
Again my advise is to get a copy of the the policy. Read Section II, liability. Pay particular attention to the definitions and exclusions. You will have questions after reading the contract, that is the time to sit down with your agent and have them provide further explanation. Although laws and contracts vary from state to state, PM me if I can be of assistance.
Ken
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