I have mine on the homeowners' insurance as a scheduled endorsement. We do have a lower dedect for the H/O. Any $ to replace would help though. Unfortunately like w/anything, it makes your premiums go up if you do have a claim. You also might check out the brand you are considering for warranty. My frame has a lifetime for manufactured defect. Plus, a 20% discount crash replacement policy. Every little bit helps. Lastly, whatever ins you end up getting they will be able to tell you what proof /paperwork is required to ins it.