[khgeisler]

Karl, what state are you in? The local insurer came back with a $1387 quote but its not agreed value. They would want to have an appraisal done. It covers "up" to 100k right now. We have about 150k in this coach from purchase to renovations to upgrades. Crazy, I know. (It will be at that mark once exterior paint gets done) They tell me the check would be for market value of a 1993 newell which if I had to guess would be around 25-35k for a loss. Not good enough but I have to take it for now. This is 300, 300, 500 with 1k deductible. Glass coverage would be part of the deductible unless I want to add another $147 a year. 10k medical. (Also Progressive) We have stellar credit and never had any claims in our lifetimes. I think they try to get as much money from whoever they can.

North Carolina, no claims here either.  Maybe try an agreed value somewhere in the middle.  $1387 sounds to expensive for market value, but your agreed value number for $100K seemed fair.  Maybe change it to $70K, your premium may be close to $1500, only $100 dollars more but 3 times coach value.  

Try my guy, Clark Harrell  704-945-2308  He works for Hilb Group

I am not sure if he can write in your area, but worth a try.