We were fortunate to be able to pay cash for our 2008 model, so no loan issues. We are not so fortunate as to be able to replace it, so we got full coverage. We used Amica, which we use for all insurance needs. Two days after taking possession and heading for home from Pennsylvania, DH hit a deer, to the tune of $13K, which we would not have been fortunate enough to be able to pay. Thanks to Amica, the most wonderful insurance company on the planet, it cost us $500. We will not be canceling insurance as long as we have the coach.