Sorry to tell you, but when my trailer got totaled, I had to come up with practically all the money out of pocket. I was dealing with the same insurance company and they paid me a whopping $200 to replace it. Seriously? You'd be lucky to buy a homemade used one for that. That insurance company was also my company and I flat out told my agent if that was the best they could do for me, I would leave. I left, taking 3 policies and several friends with me. I was very frustrated. I talked to tons of people at the company, faxed them ads that I found for comparable trailers (used,not new) and