National General

It depends.

Replacement only becomes a factor if it's a TOTAL loss.

Is that risk worth $81 a year to you or would you be willing to take a hit on the difference between what they would pay for your current year camper and what they'd pay for a new one.

It also depends on if there's a loan on your camper that you'd still owe a balance on after getting paid a depreciated value.

Also, you may want to ask what they would consider as a cost basis for "replacement" if the PrimeTime Crusader is no longer made. Manufacturer's come and go, as do the models they make.

If that was $81/year I would jump on it. Even a 2 year old model will take a heck of a hit if you have to rely on the insurance coverage to cover it without replacement cost.