[MiracleJ]

I am searching for opinion on insurance costs. When we purchased our Newell we had our policy written by Alstate insurance. (Allstate) had given me a insurance policy for about $750 with a $1,000 deductible.

We did $250,000/$500,000 Bodily Injury and $100,000 property damage.

It has Collision and Comprehensive limits of "Actual Cash Value".

my questions are

1) Should we go with an insurance policy from one of the RV groups stat specialize in motor homes
2) Do these limits sound about average
3) Does the premium sound right.
4) If our coach is totaled what determines the value for the insurance company ?. Will any insurance company use what I paid for our newell or will they use the market price of probably half that as the replacement value?

Thanks for any input,

MiracleJ