yeah, i got the sticker shock going from build insurance to flying insurance. was about 2400'ish dollars but had $250k hull. she said, don't worry because next year it will definitely go down. well, that wasn't so true and went up but can't imagine not getting the money i put in this airplane go down the drain if something were to happen. i was also told there is a huge difference in premiums over $200k and $250k scares insurance companies on an experimental. don't know if thats true, but i paid the premium on $250k hull.