Rita shopped it to death. It is what she does. Progressive won. I think we pay a bit more but she went with the total cost replacement policy because our bus cost about as much as a late model used pickup truck. She explained it to me. All the pros and cons. Cost compare analysis and how she came to her final decision, but I think it was fall, and I was thinking about where my tree stand was going to go....On a more serious note, do you have coach tow?Good luck in Montana.