the only thing in your life you will pay top dollar for and will be to scared to use it.
make sure you get and agreed value, if your going full comp. other wise they will ass fuck you and only pay out red book value if your lucky.
insurance is a rip off..... and stay away from sgic, aami, cgu and any of there affiliate sister companies. read the fine print there all connected.
RAA, allianz, Shannon's would be the best of the bunch as paying out for things.
this is my personal experience from working in the crash game