I know this topic has been talked about already, but after trying similiar routes from other post, talking to all the major insurance companies directly and @ a dozen local agents I'm getting desperate. I have a 2000 E-350 converted to 4x4 that I'm trying to insure for a modified(stated) value instead of an actual value(KBB). I live in Florida and I don't know if that is making a difference. It also doesn't qualify as an rv. Any advice would be appreciated.