Always, always, always tell the insurance company you are fulltime if this is your home. You absolutely want to be properly covered. I have friends who recently found out that their RV is totaled. Because they have proper coverage, they got a check for MORE than they paid for it originally!
In the event of a catastrophic accident, fulltime coverage will cover your contents (which value is significantly higher than what a weekender will have in their RV) and can also cover you for a hotel stay while you scramble to buy a new home.
For coverage, check with Miller RV Insurance. They were great in helping me figure out what coverage you need for fulltiming.