A similar thing happened to us about 5 years ago. We plugged into a 30 amp circuit that had mistakenly been wired to 220. You are correct in that it fried more than the microwave. It fried all items with a circuit board, converter, refrigerator, 2 TV's, microwave, satellite receiver, etc. Our insurance covered the fridge, converter and microwave because they are "attached" to the RV. The TV's were on us. All told, the cost to replace everything was over $2,000. So with our $500 deductible and having to replace the TV's on our dime, we were out about $1,000. This little disaster did not raise our rates on our next renewal.
When we got home from that trip we bought a Progressive Industries surge protector/low voltage unit and have used it religiously since. But so far, that has been the only surge that we have experienced. We have had shut downs for low voltage several times.
