Mine is under construction as well. I have state farm. The agent wasn't real sure what I was up to so he had me bring it in for pictures. Since it was just a cab chassis at the time, he was able to skip anything commercial, and basically it is just rated the same as a pickup truck with the appropriate blue book value, I think it was $237 per half. Once I finish the RV conversion he says bring it back in and they will take more photos and write a new policy as an RV. Keep receipts to establish value. We did not get down to price as it is not that far along yet, but he did not think it would be difficult or expensive.