[Scrmegl]

Most companies will only do their book value of choice. Some let you add extra coverage for custom accessories or equipment. Having the appraisal may help with a few select companies. Read your policy. It will have info in there on coverage. Then ask your agent to ask an underwriter. If they can not answer properly then they should ask their claims department.

If you find you are way under insured then look for a company that will let you insure a claimed value with an appraisal.