"Cub Driver" wrote in message
...

$25k of hull insurance?

Sure. It's what I carry. A nice Cub can be had for under $30,000.
Besides, the instruments will probably survive the crash

My instructor carries $15K. He's even more optimistic about systems
surviving than I am. Besides, he reckons that he can risk some of his
own money in there.

That's not how it works. If he has an accident he will get a check for
$15,000 and the insurance company gets the plane. He is out a $30,000 plane
and has a check for $15,000. The insurance company how sells the plane for
what they can get which might exceed what he had it insured for.