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With some of stuff hanging off my car, my insurance company would laugh in my face if I expected to get my money back. My car is insured as a generic 245Ti, not as a stand alone item with improvements. The premium to do such a thing would not be worth it. My risk.
I hate to be Dr. Negative, but as LKT said: this ain't gonna help much.
The best thing you can do is find proof of same cars that have SOLD and for how much. Not what a seller wants, but what he gets. This may work, if you hold firm.
My car has 218000 miles but your insurance company doesn't give ahoot.
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