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Most boat and RV policies have what they term as "agreed value" and that's what you are insured up to. Keeping inline with actual cash value and changing your policy as your toys age is up to you. They are only in it for the money. Bob Denman here can probably expand on this a lot more than me or most others. He'll troll along here in a few minutes and enlighten all of us. We currently have "replacement value" but I'm not sure how long Progressive offers that coverage from the date we purchased.
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Now an SOB
Traded Thor for Melbourne Prestige 24NP
2018 THOR Chateau 35SF
Two Labs, Bugsie & Blondie
Blondie passed in 2020 at 5 to Leukemia
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