Most RV policies offer full coverage. This covers your RV no matter what happens and whose fault it is. A good policy will also offer a total replacement for a new RV (less than 5 years old and with the original owner) that is totaled, or for a used RV (or one that is older than 5 years) you will get the purchase price back as a settlement in the event your RV is totaled.
You can call and speak to Prestige's representative directly by calling 1-949-900-6677. They will provide you with rates and coverage options.
Personal effects coverage protects non-permanently attached assets within an RV. Common personal effects are jewelry, personal electronics, clothing, etc.