During Alumalina 2022 - Jim Polk did a great seminar on insurance and trailer values. https://polkassociates-llc.com/
He gave some great advice on insurance types, pros and cons. Essentially he recommends an "agreed upon value" coverage so that you'll get the actual fair market value of your trailer vs. NADA (low ball) values.
We were on a USAA policy that used NADA as their guideline. We dropped them and went with Progressive for "agreed upon value". They were the only game for the New Hampshire market with that coverage. Your mileage may vary based upon State of residence.
One of the brokers he recommended was FCIS Insurance. We used them to fine tune the new policy. It was easy to do business with them. They were helpful and accommodating...they do lot's of RV stuff.
(800) 331-1520145 S. 4th St. Forest City, IA 50436 Monday - Friday 8am - 5pm CST, Saturday 8am-3pm