Bear,
Somehow, through the dealer, I ended up with Progressive and I have full replacement value for about $1300. I don't know what you would get with the $900. It also goes by where you are located. Different areas have different rates in my opinion.
I had to submit a claim for a shredded awning when I was traveling. It billowed out and got shredded. The adjuster decided to replace the whole system and Progressive wrote me a check for $1800. I told them it was to much, but they insisted and said I was one of the lucky ones.
I also had to deal with a progressive claim from a motor cycle accident and I did not have progressive. If something were to happen where I needed new insurance for a vehicle, I would strongly consider progressive. Read the small print though, no matter who you go with and make sure you know what you get. Pay attention to the exclusion clauses.
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