If you use the search function here, you will find a lot of discussion about this. None of this may apply to a home built rig, but in talking to a few agents it seems to me that each company is different and it's rare that you can get a "agreed value policy" I went with State Farm based on Rally Panam's research, and the fact that his agent actually took the time to look up Sportsmobile's and found some type of code number. His agent gave that information to my agent and I got insured. GCVT used the same agent and then had his van stolen. He got the run around for months, but finally got a good settlement. I got nervous and went to visit my agent to nail down how a settlement would happen and never got a firm answer. Pretty much it's decided on an individual case by case basis. Fortunately, our vans were factory converted and State Farm recognizes that and insures them as such. A home built may be more difficult. I'm sure others will chime in here with different experiences, but shopping around and asking a lot of questions is neccessary, along with never giving up if you have a claim and don't like the settlement. By the way, looking at your forum name makes me think you may be in Ballard, and if so, make damn sure you get good insurance, the theft rate there is incredible and getting worse.
Agile Ride improvement package