Insurance for motor home

I've always had Progressive, but I've never made a claim so I can't tell you about their services. If you go with Progressive when your motorhome is new, you will get replacement cost insurance, up to your original purchase price. What I don't know is how long that lasts, but I do know it lasts at least 10 years as that's when I found out my motorhome was still covered at full value. So if it was a total loss at 10 years old they would have paid $157,000 (my original cost) toward the purchase of the new motorhome. And although that seems like a great deal, it also causes the premiums to go way up over the years. I called Progressive to find out why they were getting so expensive and that was why. But they let me drop that coverage down quite a bit as I just wanted to make sure the pay off on the loan was covered. So I dropped that original purchase price coverage and the premium came way down.