Valuation of older motor homes

If you bought it "late last year" you would have gotten your insurance at the same time. I would use whatever value you/they placed on it at that time. I doubt they'll give you anything for upgrades you've done unless you have meticulous receipts. "Sweat labor" doesn't count. Don't forget about the personal item inside the coach. Your vehicle insurance won't cover that but your homeowners should minus your deductible. Good luck with your negotiations.....Dennis