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>Personally, I plan to insure mine for only liability, ground operations, and
>theft, fire, etc. I'll drop the ground operations if that costs very much.
Sorry for the belated reply on insurance, but your idea makes sense to me.
If any builders take your advice, I suggest setting aside the money you
save as a "self-insurance premium." Invest it in a money market or stock
fund, and leave it there. If you never need it, great.