We bought a new 37 foot travel trailer four years ago and insured in with Progressive.
The coverage was for what we paid for it and covered any damage and 100 percent if it was totaled, and that was for as long as we owned the trailer. The cost was $500 per year.
Along came hurricane Irma and totaled it with a five foot sea water surge. As soon after the hurricane as their adjuster was allowed in the area he took one look and totaled it. He took pictures, sat in his car and sent the info into his office. That afternoon we got a call from Progressive and said our check would be at a local insurance agency on the next Monday. Driving home after picking up the check we received a call from Progressive telling us that we still had two more months of coverage and wanted to know if we wanted a rebate or if we were replacing the trailer with another if we wanted for it to go for the new trailer coverage . We were absolutely amazed and naturally put it toward the new one.
It was the best $500 that I have ever spent in my life and we now have our new trailer and once again with the same coverage.
Guy