We've been with Allstate for 45+ years - home and auto. Our Allstate agent explained that RV insurance with them is like insuring a car. When it comes to valuing it for something major, the settlement will be based on depreciated market value. Other companies that specialize in RV insurance plans handle things differently. If you purchased your RV new, you might get list price or replacement value for "X" number of years. In other cases, you can establish a stated value policy for your RV and if the insurance company agrees, that is what you will receive if the unthinkable happens. From our own experiences, RV policies like this seem to run between $1200 or so up to $3000 annually. As stated by others, where you live, your insurance history, credit score among others things will impact your rate.