Sorry for the delayed response. Been out enjoying the camper in Glacier, Jasper and Banff! Unfortunately we live on a boat and don’t have homeowners’ insurance! Oh well. Made it on our 2,800 mile trip without any damage to the camper. So the insurance problem can wait a few weeks.
I added insurance today, collision and comprehensive thru Hartford. $500 deductible, $52 annual premium increase to the auto policy. They used $13k valuation that I gave them, but as with all losses I would need to prove replacement/repair cost. That would be the trailer, kit, parts, and someone else building it.
I had the same experience as rovineye, except with a different carrier. state laws and insurance carrier requirements might vary, but my agent asked for the VIN number of the trailer, and then I provided the replacement value that I wanted to insure against.