I am insured with State Farm. When I bought the cab/chassis I took it to the agent and they took photos with the bare frame and were able to insure it as non commercial since it did not have a bed or 5th wheel. I think the value is around $6k. Then they told me when I finish the conversion, and do the title change, bring it back for more photos and they would write the policy as an rv. We did not really get into the details of an agreed value for complete truck but he was sure that would not be a problem. I was just happy to be able to get a simple policy with no hassles in the meantime. Of course that is in Ohio, and insurance regulations vary by state. But I would give state farm a shot, they had no problem with mine.
I think maybe you or your agent may be confusing msrp with current blue book value. $85k is possibly what the thing cost new depending on the truck, but certainly not what the value is now.
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