I was reading my renewal form and it said i was covered by actual cash value. My question is who sets the actual cash value? the insurance company? I have a perfect 1988 Ranger 374 vee commanchee, with a 150 mariner mag ll. Ranger trail trailer, No damage, No stress cracks anywhere, all switches, lights, pumps , and stuff works, with 3 depth sounders, Does anybody have any idea what its worth? I keep it in a garage year round, and it doesnt even get cold enough to freeze in the winter. Motor is within 3 #s compression on all 6 cylindars. Or does anyone have a recommendation of a different company? thanks Ron