Owned 2 RV's one 5th wheel(used), one travel trailer(new). 5th wheel was insured by State Farm, the TT by GEICO. Both were ACV in the event of a total loss. The reason I switched from State Farm to GEICO with the TT was cost (the Lizard was less expensive) and GEICO's coverage was like a homeowners policy. Contents coverage, all perils when not being towed, liability, & medical payments. State Farm's coverage was essentially collision when towed and comprehensive when parked but only for the fifth wheel, the contents were supposedly covered under homeowners policy (also State Farm at the time). Never filed a claim with either company.
GEICO's collision coverage on the TT IIRC, was full replacement value for fist 5 years only and that was a rider I paid for. The rider was only available in years 0-5.