I think he is not in the uk.

The best way to consider insurance he to ask yourself some pretty simple questions

1 . What is it worth

2 . How much will it cost to repair or replace.

3 . do you actually need to replace it.

What ever it is worth or would cost to replace then that is what you should insure it for.

It's better to compare with different companies and get a quote then get a piece of advice from an reliable insurance agents who can connect you with the right insurance with low price.

Why is it better to compare yourself rather than using someone reliable?

Now we see it!

He craftily inserts spam into an apparent quotation.

You are a much nicer person than I am, FP. To me that isn't crafty; it's just plain stupid.

Who is going to buy anything from someone who asks a really thick question about insurance? This is the third one of these 'insurance queries' in a week: each time their final post has a link and ends with 'Thank you my issue has been solved,...'

I bet he stupidly though he was on Honestjohn.com so was spamming a gullible US audience. More fool him.