I had State Farm for $29 per month with a $100 deductible. same as my cars.
we were very happy with them when they totaled our TM and paid us $2000 over NADA book less deductible pluse tax, title and license fees.
I have absolutely no complaint about the State Farm people and service!
Don't buy a fixed cost replacement policy, you may not be able to find one for what yours cost you, especially if you make improvements or the market changes.
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