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Stu,

My feeling about insuring the IV is that you have it right.  Too many claim
dollars per person.  It's not exactly high-finance.  Maybe you basically go with
a life insurance policy, carry some liability insurance in case you come down in
a school yard, but leave the hull uninsured.  The break you might get depends on
how much you can reduce the insurance company's exposure.  I talked to the same
guy at AVEMCO awhile back and he talked my ear off about the IVs.  Made me glad
I have a 360.

Best Regards,
Ed de Chazal