no free lunch...
most of the insurance carriers will sell......
'agreed value' policies....
this works well for older cars or trailers or boats or whatever...
that have been modded, or are worth more than the blue book.
some require an appraisal.
others want copies of the work receipts.
the easiest ones just ask for an estimated value,
and if not way out there....
write the policy.
cost does increase as agreed value increases....
for some old seldom used vehicles it's cheaper to get a policy from companies that write for collectible cars.
agreed value isn't full amount or replacement cost...however.
all of the true things that i am about to tell you are shameless lies. l.b.j.
we are here on earth to fart around. don't let anybody tell you any different. k.v.