[Johnnyboy]

I think the what if, scares me. I have had motorhome insurance for 10 years, and thankfully never had to make a claim. When I call for insurance they ask “ how much is it worth or what’s the value” we always want enough dollar figure to cover for the what if, or sometimes we think our coach is worth more than it might be, that’s were it’s hard to say. I have said how much is my premium if I value it at 80k , then I think maybe I should lower it to 50k so I can have the better rate.

That’s what is difficult with ACV policy. They will take my money for the 80k policy, but if I had a loss how much would they really pay. I get a uneasy feeling when they are ready to charge me more on the 80k policy, or I can choose the 50k, they said they will take my value minus depreciation, blah, blah.

I have not had a claim to find out what they will really do. If I have the ACV I’m sure they can say it’s only worth 40k and that’s all it’s worth. I say I told them it was worth 80k when I setup my policy, then they say it’s an ACV policy, we did not agree to 80k.

My thoughts??? Any good comments 
Thanks