would help to know what the purpose is????
Clark, I'm no expert, but there are many values.
is your state wanting sales tax? Divorce? insurance?
my insurer said to make sure 'replacement cost' included finding, doing pre-buy, ferrying, and tax on the replacement bird. that would add at least $10k, so don't undervalue.
I think you get my drift.....usually best to use the 'real' number.