If one can get a breakdown of the insurance bill ,such as hull in flight and liability, a prudent decision might be made about just what coverage is appropriate.  Usually, hull in flight is the most expensive component although I am sure there is a liability cost penalty for each seat over 2.

 

For years I had not-in-motion hull and $1M liability as I thought that my estate would not be adversely affected should I drill my lawn dart several feet into the ground - I know I wouldn't care.  I forgot about the risk associated with a gear-up landing that I could walk away from and still have to pay for repair.  I now insure for hull in flight (nothing like closing the barn door.......).

 

Those of you with wheels stuck in the down position should consider self-insuring the hull whilst in motion.

 

The not-in-motion hull insurance is important if you tie down out side or travel enough to strange airport environments.

 

Ya gots ta have liability covered.

 

Falcon works for me.