You will need a full timers policy. Not all companies offer them but National General(ex GMAC), Progressive and others do. In spite of what your not very knowledgeable agent said they do cover contents.
We had about $20,000 content coverage on ours. The standard mount offered was less but we paid extra to get more.
Some offer an umbrella liability policy may be something you want to check out.
The National General policy is what Good Sam is a broker for. In my case getting it from Good Sam instead of buying it from an agent saved us a couple of hundred dollars a year.