Our 2004, you'll need an appraisal. Some states are harder to get coverage for 'as agreed' or 'agreed value'. Be diligent. We use Nationwide through Winnebago RV. Book value is only about $15,000 but we've done extensive remodeling (structural and cosmetic). Now we're adding solar. Getting a new appraisal in June while at Aluma '10.
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