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The real point of this discussion revolves around the definition of "Insured Value". Most auto and trailer policies are "Actual Cash Value" which means the insurance company decides what the vehicle is worth AFTER it's wrecked. Usually using a price guide of some kind. Or if no guide is available, they take the original new list price and depreciate it a certain percentage for each year it's been around. Obviously this method does not take into consideration vintage units.
What you want is called either "Agreed Value" or "Stated Value". Both mean the same thing which is that you and the insurance company agree on the value of your trailer when the policy is written. Costs more. Not every company will do it. But it IS available. An Independent Agent is probably your best bet.
Good luck shopping.
Tom
http://www.tomsgreatadventure.blogspot.com
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