Best place to get a good idea of prices is at
Fiberglass-rv-4sale.com you can look at current listings as well as those that have
sold.
Not to much of a problem with insurance you just need to make sure you have purchased replacement insurance and every once in a while take look at the above website and save any ads for trailers the same make, model as yours as you will need that to prove its worth more than the NADA guide indicates - often WAY more. ;-)