Re: RV Insurance "Replacement Cost" Value When Going Full-Time Reply #25 – November 30, 2020, 01:01:44 pm A reason rates vary apart from underwriting risks is the company desires to reduce exposure in the state. Yep, they may decide they have more at risk here than they are comfortable with so they raise rates to encourage people to switch or new state insurance regulations have made it unattractive to them.