Yes sir, it depends on your state as to how each company/agency will or will not cover you. I had my Grandsport through Geico, but they would only insure it for $17,000. Yeah...good luck finding a GS for $17,000! I tried State Farm because we have all of our policies through them. Here in Maryland and through my agent they wouldn't touch it. Yet there is a guy in Alabama that has a GS very comparable to mine. He is a State Farm agent and he said State Farm covered his with no issue at all. After trying a number of companies, I was finally able to get enough coverage through Farmers/Foremost. I HOPE this helps, good luck!