Instead of picking apart the OP's usage of the word "scam" and telling him how to better read his Progressive RV insurance policy, why don't some of you chime in with suggestions as to better RV insurance companies for the OP to check into that have coverage with higher personal effects coverage limits.
I have Progressive RV insurance too and am not happy with their ever-increasing premiums - plus now that Dave has informed us, I'm not happy with these caps on personal effects. We carry items worth more than $500 in our Rv, so perhaps a more cost effective RV insurance is in order.
Any suggestions as to companies superior to Progressive for RV coverage? (Warren Buffet has enough money already ... so there is no need to have any special attachment to Progressive insurance so as to add to Warren's pile of $$$$!)