I got it for 8k so no steal. Thats what there going for. Im just curious and wonder if companies insure them. Once I have all the info. then can decide if its worth it. I do agree that its probably not worth insuring. This is a forum so thought it would be nice if anyone has been through it before. I hope this explains so you will understand. We are going camping/elk hunting and not worrying about it. Its a pop up but when you walk out the door there is a 12 by 8'3 wide deck for 3 full size atvs and the deck is in the back so tongue weight not issue. Going to customize and put in the "add a room" to increase size. Very rare camper wiyh massive clearance.