Well heck Bob, guess I'll have to check Avemco out, flying 5 different exps. since 1988 and not spending one thin dime on insurance during all that time, I have been lately using my age (a spry 72) as my excuse. Those numbers you quote sound very reasonable, like what I'd be willing to cough up. I actually have the spare cash to afford insurance at this point, not like earlier! It's just a habit at this point not to have any. Anyone care to estimate how much money I've saved in being self insured for 33 years? Not saying it's a good idea and yes I know my gonads are on the chopping block by doing so, but it's a done deal now, with no incidents or regrets. All tail dragger, lots of off airport. I think maybe we self insured riff raff are too embarrassed to say we are, there may be more of us out there then is thought? My biggest need for insurance is when hangered at home, pretty sure the plane isn't covered. If a wildfire breaks out on the mountainside I live on, I have good homeowners insurance on all the structures, even the building I keep my Kubota in, though I have never asked my agent I doubt the plane is covered, so far so good. Even my lowly RANS S-7S is worth a fair bit of cash, these days, judging by what I see on the used market. I will call Avemco and ask for Byron.