That is why agreed value works well. You basically can set the amount, within reason, based on an appraisal. With a motorhome, the value can drop like a rock for various reasons, which could make the actual cash value way less than what is owed. Let's just say that the price of fuel doubles, for whatever reason, the value of all RV's will drop drastically.
With an agreed value, you can adjust it every year to make sure that your loan is covered, but you are also not paying more than you need to for that coverage.
With my Classic cars, the value of which can fluctuate UP or DOWN every year, agreed value always made sure I was covered, for the value that I had in to them, since there were no loans on them.
