After reading and following this post, I have checked with my Nationwide agent, and for little add'l premium, a rider can be carried to 'adjust' the value BEFORE an incident like this happens. Thanks for sharing the saga, and glad you were lucky. On our way to the Nat'l Rally two years ago, 2 D-90s on the trailer, and the tow vehicle was broken into- also in Nashville- and minimal damage to the Ford. Nothing to the 90's. Just lucky, but next time...............