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What is the value of your goods to you? Not just dollars, but peace of mind?
Don't ever base cost of insurance and measure that against the value of the goods. Insurance is meant to replace what can be damaged or broken and put it back to where it was before the incident.
As for the upsell part, it is an upsell. It's also their way of saying "next time we won't cover your stuff if we know you have mods on the car"
-alex
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