[khgeisler]

Thanks Karl. The issue I have is the agreed value quote I got from Thum insurance says they have to write a policy in Montana since I have the registration there. (Now it's $2300 Vs $1787) The local guy without the agreed value says no problem with AZ insurance as long as we have the Montana llc included in the verbiage. That one is insured up to 100k but not agreed value. I hate dealing with this. I still want to keep it at 100k minimum for agreed value since there have been a few fires and losses lately. I have too much invested in mine and it would suck for them to cut me a 20k check. I lose alot in life yet I am willing to pay within reason.

I guess I am not sure what up to $100K means.  Market value is market value.  You may have done alot of upgrades, but evey year you own the coach they depreciate at an alarming rate in the insurance companies eyes.  Inverter and battery/solar systems are outdated in a year or two.  Hoses, undercarriage cleaning and painting may be seen as maintenence.  I am not privi to all of your upgrades, nor am I an insurance expert, but when you have an aged asset that does not have alot of sales history, coming up with a market value could be a shot in the dark.