Insurance declared value of used motor home

Each state may be a little different and if multiple vehicles are insured under the same policy number in TX, that is not the norm. Usually, each vehicle or rv has it's own policy. After all, each has it's own value. If ACV will not exceed the cost price new, then that means that you can be paid up to the amount based on the condition of your particular coach. You take care of yours it's going to be worth more than someone with the same coach who does not. The ACV up to retail allows for a higher payment to you based on your coach's condition and mileage.