It really depends.. what geographic area you're sailing in, whether the policy is an AGREED VALUE or ACTUAL CASH VALUE policy, what kind of coverage you have and about a dozen other things... It does sound a bit on the low side to me for an Agreed Value policy for that much coverage.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.