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This is a gun that has a lot of variations. Unless it is a Pigeon Grade with extensive engraving in Excellent condition, it would not be valueable enough to require any special endorsement on your homeowner's insurance policy. If it is a standard Field Grade or a Heavy Duck Gun in NRA Very Good condition, it should retail for $425 +/-. A Skeet or Trap Grade gun would be about $550-$650 and a Pigeon Grade around $1100. Engraving would increase these values as would a milled rib or special ventilated rib. And of course any replaced parts or modifications, such as a non-original recoil pad will reduce the value. (The Heavy Duck Gun came with a Winchester recoil pad, others did not.)
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Yes the stock on a Winchester Model 12 16 gauge is the same as a 20 gauge. 16 gauge,20 gauge, and 28 gauge are all the same for the Winchester Model 12. Thanks, Tim
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Do a google search for "Winchester Model 12".
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