[kb0zke]

For some coaches, an appraisal makes sense. I'd put most 'Birds and Newells in that category, since the cost of the appraisal will be fairly small in relation to the value of the coach. The insurance company is there to make a profit, so it is to their advantage to pay you only a fraction of what you thought your coach was worth. They will gladly accept premiums based on a value of $100,000, but if they decide that it was really only worth $50,000 they won't refund the difference in premiums. On the other hand, if you have an appraisal that says the coach is worth $100,000, and they accept premiums for that value, they're pretty much on the hook for $100,000 if disaster strikes. Each of us will have to decide whether the cost of an appraisal is worth it. I paid pretty close to NADA for my Foretravel, so if disaster strikes I'm not going to be out much, if anything.

Since NADA doesn't even list Newell, I'm not sure what the insurance companies would use to figure a value for one. Maybe they use some sort of standard percentage formula based on a general new price? Someone in the insurance industry may know more. I think I'd be willing to pay for an appraisal if I paid over $50,000 for a coach, but that's just me.