GFC insurance

Found out safeco ins will cover the GFC as an accessory , $500 dollars or possibly as a canopy also an accessory. if i pay for custom equipment coverage at 99 bucks a year they will cover up to 5k value.
their definition of a camper must have built in cooking no mention of sleeping.
so if stolen or wrecked $500 coverage on a 9k investment.
who has figured out how to get proper value coverage?

See this thread on insurance for other experiences.