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They key is to get stated value insurance in case of an accident. Up here - the only way to do that, is to get an appraisal, and insurance will charge your premium based on that full amount in case of an accident.

Having the appraisal without the stated value insurance is useless - you have to pony up for the stated value insurance. I priced it out a few years ago, and it's well worth it. I'm close to getting mine appraised, and once done I'll post here to hopefully act as a reference for other owners.


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