i did not have a problem getting full insurence fire and theft told GRANGE OUT OF SEATTLE WA PAID 7500 want to cover it four 8000 total loss. this is called an agreed on amount with a 250 deductable. to save money i just keep that only on it in the winter i have a 1987 DOLPHIN 400 then in march i call my agent to activate my full coverage so i can drive it. I start it up every week in the winter. I had the same on my 1978 for 4000