[sanborn]

All of our vehicles/home/etc. are insured with State Farm. They don't take your "stated value" without an itemized appraisal from a competent appraiser. But, when they see the numbers----they accept the "stated value".

They do offer a unique coverage called "under insured". My local agent stated she has several Bentleys insured this way----because a $25K limit on many drivers policies would not even begin to repair a new Bentley.

I think your service depends upon the local agent.