We went with 70% and some of our landlords went 75%. Seems like to me above those levels, with our premium schedule anyway (which is a lot lower because of lower yields and lower coverage) anything above that and I was paying several dollars for not that much more dollars of coverage.  I still look at insurance as hoping to not collect so I try to get the biggest bang for the buck and seems like to me the 65%-75% coverage levels look the best. I'm sure insurance agents smile when they sell the higher levels because of the commissions. In our case the RA with HPO is only a couple bucks per acre higher at the 70% level so we went with it but for the dollars you are talking about I think I would go with the CRC.

John