Wow, they are great deals on insurance compared to what we pay down here for car insurance. Definitely 'Agreed value', we also have 'Laid Up' for your build, is that offered? Our premiums are a lot more than what you are paying. We get screwed again on annual registration(s). Another impost on us on top of the premium price we pay for parts, shipping and gas blah blah! Shows how committed we are!