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i have mine insured on my homeowners rider through State Farm and I have them insured for appraised (replacement) value. The appraisals were based on current selling prices from dealers like DavidSW, Bob's and others. Makes no sense to insure at MSRP when they are not available at that price unless you want to wait ten years and that's not what I'm paying premiums for. The cost was very reasonable and cover all risks with no deductible.
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