The value can be adjusted to whatever you are comfortable with. The higher the value the higher the premium. Another thing to consider, the amount of risk you put your truck in. How much do you drive it? Is the storage location safe and secure? If you were to pay a higher premium how much would it cost you over 5 years for the added value? Its might surprise you how much you would have in the bank after 5 years if you just put the extra premium cost in the bank. I have a great insurance agent and he is always cautious of over insuring anything and goes through the process with me to make sure we have things covered. Don