I have Shelter Insurance for all my insurance needs, home, boat, Airstream, Vehicles, rental properties.
Full coverage on my 1978 Sovereign
with an agreed upon value of $14,000 is $78 a year with a $250 deductible.
When a semi truck passed us on the interstate and sucked open the small full length roadsize awning, I called the company. The adjuster I spoke to told me that it was a 1978 trailer and the depreciation would probably be steep. I told him it was a good trailer he said rules are rules.
When he came out to the RV Repair shop (Thomas and Sons RV in SGF MO, great shop!.. high but worth it) the repair manager showed him the trailer (freshly polished and all finished), the adjuster did not depreciate out the awning. I got a check for $1600 less my $250 deductible. I am well satisfied.
Once, after an ice store collapsed out patio cover, another adjuster told me that my insurance would only cover the cover not the uprights.
I told him ok, thanks, gathered all my paper work and left. In the parking I lot I got on my cell phone and called my agent and told him I was coming over to cancel all my policies. He told me to wait a minute. A few minutes later I got a call and another adjuster to the front desk and apologized said it was a new adjuster in training and he would (the second guy) get things right.
That is the advantage of having an agent in the office as opposed to a internet transaction.
My antique trucks I insure through a specialized company out of Laverne MN.
When I got out of the service in 1973, first day home, I told my Truimph Spitfire over to my girl friend's house. I didn't have insurance yet and took my chances. Yep, I was crossing a street and got tboned. I got the ticket and had to pay for her car. Since then I would rather be over insured than under insured. My Truimph was a loss. I really liked that car too.