Full timers Insurance question

And yes I know how many more choices there are when not full timing.  So for any of you who are full timers - just had a rude awakening on the plans that claim they will replace your coach for the first five model years.  I am being told by an independent agent that this does NOT mean it will even be a PC.  The insurance company will look for what they consider to be a comparable model sitting on a lot - anywhere, in any state - and as cheap as they can get by and that would me my replacement RV.  They do not have to match the options I bought etc.  I don't have any say in what company even built it.  Certainly a far cry from what Replacement meant in my home insurance and even the car.  Just the fact that it would have to be a unit sitting on a lot (and has never been titled to anyone) mostly rules out PC. Getting the cheapest would really end that hope

So besides just belly aching and perhaps enlightening some who had not gotten the details from their insurance -I am asking is there any full timer out there who found an insurance where replacement really meant they had any choice in making sure it was a PC and not some sadly built RV that just happens to be around the same size? 

I am also seeing how many insurance companies do not consider the towed vehicle as part of the same claim.  If both are damaged in the same incident, even if you use the same company, they will consider them separate and you will pay both deductibles.  The fun of it all.  Insurance seems to be the biggest PITA of this whole move to FT.  Not that I would want to give it up!  I thought this was pretty much settled until a couple of questions came up and we got around to the hard truth.  Thanks for any input

Hi Cats.  Don't know which company(s) you've spoken to, but I have full-timer coverage through National General (1/888/293-5108).  I never thought to ask for those kinds of details that you speak of and simply have been going along on the understanding that they replace for the dollar value of my rig.  I thought that I would get the money and shop for whatever I wanted for a replacement.  Thanks for the heads-up as renewal is coming soon and I would probably do well to understand just what I do and do not have along those lines.

Carol - National General was who I was dealing with thru an independent agent.  Since mine is newer he was selling me the full replacement policy rather than "value" based policy.  Even though you are on the "value" basis, I suggest you ask lots of questions about how they decide on value.  Based on what the agent was telling me, it isn't based on NADA listing of your actual coach with its options - at least not the only thing.  Again I was getting a non-specific sort of thing about the actual selling price of "comparable" coaches being considered to decide how much they would pay.