Full timers insurance is definitely different than regular RV insurance. It should actually cover your RV more like homeowners insurance and include full timer liability, full replacement on the RV and contents, coverage for things like awning and satellite dishes...just to name a few.
Regular insurance companies want nothing to do with these types of coverges. You need an RV specialty insurer...we just recently switched from fulltimer coverage with GMAC to Blue Sky. Blue Sky more than cut our premium in half and actually gave us better coverage.
Shop around and be sure who you choose truly understands fulltime RV coverage.