Supercubber,
She'd shoot me first. That's a no brainer, though.
As to deductable, its been so long since I could actually afford hull coverage that I wouldnt have any idea.
When you say the words "Alaska", "seaplane" "commercial" and "insurance" in the same paragraph, insurance companies' cash registers just go into spasms of ringing. Kaching, kaching, $$$$$$
I do know that theoritically, the big issue on costs to insure up north is the cost of retrieving a wrecked or damaged aircraft. It almost always requires a helicopter, and most landowners aren't real enamored with us just leaving wrecked aircraft laying about the tundra, so the insurance has to recover it, even if it's totalled.
MTV