The [Wikipedia camera templates][1] are a great place to research where a specific model sits in the lineup and timeline for a camera system.

If you look at the [Canon EOS digital cameras template][2]:

[![screengrab of Wikipedia template][3]][3]

You'll see a direct line from the 500D to the current 800D/T7i and 850D/T8i. 

> They are pushing for the cheapest EOS 3000D but if I'm not mistaken that's like 2 classes inferior? 

Yes, the 3000D/4000D/T100 is two tiers below the XXXD line of cameras. But, if your insurance policy doesn't have a ["new for old"][4] or [replacement value][5] clause, and your insurance company only has to replace for fair market value, then depreciation is a factor. A 500D/T1i on the used market these days in the US only goes for about $100-$200 (see [MBP][6]). So you may actually be doing well to get a new T100.

  [1]: https://en.wikipedia.org/wiki/Category:Camera_templates
  [2]: https://en.wikipedia.org/wiki/Template:Canon_EOS_digital_cameras
  [3]: https://i.sstatic.net/QK2Mr.png
  [4]: https://www.endsleigh.co.uk/personal/home-insurance/guide/what-is-new-for-old/
  [5]: https://www.insureon.com/insurance-glossary/replacement-value
  [6]: https://www.mpb.com/en-us/used-equipment/used-photo-and-video/used-digital-slr-cameras/used-canon-digital-slr-cameras/canon-eos-rebel-t1i-kiss-x3/