[adastra22]

Insurance doesn’t buy you anything. You make a claim and they send you a check, minus the deductible. That is it.

[Suppafly]

Regardless, you typically want the list price for your items not the used price. Do you not understand the difference?

[adastra22]

You get whatever price you insure at. If you want a higher payout, fine. You'll be paying higher premiums though.