What the Ins company says they will cover and what they really pay out
after a loss is the true story here. It probably would be cheaper to
get a rider on the homeowners policy if you are that worried. Either
way you will get short changed for them.

U should read your insurnace policies so u know what is covered and what isnt.
Also a homeowners policy will not cover aircraft in any way shape or form so
parts for an aircraft arent covered. Also there is a limit to property that is
not at the address of the homeowners policy. Its all up to the person, if u
can afford to lose what your kit cost u, dont buy insurance. If you cant buy
insurance.

chris