When I insured the trike, I went to State Farm (who insured my previous Harley) and told them I wanted full replacement value coverage. I gave them the invoices to validate the original value and the agent took photos to show what it looks like.
No problems! They insured it as a motorcycle with accessories and issued a policy stating full replacement value coverage for a total loss and/or guaranteed repair to full original condition subject to deductibles.
I have found over the years, that dealing with an agent that you can trust and will be on your side, is more important than the company itself.
Dave
I had the same experience with Foremost, I pay less than when it was a 2 wheeler. As stated earlier, they consider a trike safer than a 2 wheeler, and even though the trike is worth more, being safer, more than offsets the extra value as a trike.Well thats good news, like I said I went through Foremost, and the price actually dropped below what I was paying for the 2 wheeler.
Checked with my State Farm agent today, about insurance on trike.
He said no go, they don't do that in Mississippi. They talked to a underwriter.
Have a 1 ton dodge, Blazer Taurus sho, Saab 9000CD, And Yamaha road star 1700 insured.
So need to start looking, have paid for trike kit in full when i ordered it.
Have been with State Farm since 1969, yes not a typo 1969.
His secretary called me