Oldtanker: If he does not list a value then you are correct that they will only pay the average market value. You can get stated amount insurance for higher amounts for things that are higher in value than just average.
I have four or five pieces of equipment that I have stated amount insurance on. The cost of the coverage is higher but not much higher. Physical damage insurance cost per thousand dollars of coverage is not that high. It is liability that is costly.
Now on stated amount insurance you can't just say a piece of equipment is this value and that is it. I have pictures of the actual condition of the equipment. I also have bills showing how much I actually have in those pieces of equipment. An example would be the Ford 981 I have. I have it covered for $10,000. I have bills showing where I have more than that in the restoration of it.
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Today's Featured Article - A Lifetime of David Brown - by Samuel Kennedy. I was born in 1950 and reared on my family�s 100 acre farm. It was a fairly typical Northern Ireland farm where the main enterprise was dairying but some pigs, poultry and sheep were also kept. Potatoes were grown for sale and oats were grown to be used for cattle and horse feeding. Up to about 1958 the dairy cows were fed hay with some turnips and after that grass silage was the main winter feed. That same year was the last in which flax was grown on the farm. Flax provided the fibre which w
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