Ahh, house insurance. I had a similar incident a couple of years ago with an acoustic. Tripped, dropped it, buggered up the bottom bout and the binding. The repair plus refinish came in at a rather unpleasant £900. My insurance company, fair play to them, settled very quickly. When I came to renew the next year I found my premium had gone up by..erm..£600 because of the claim...bit of a bummer really...insurance companies, you think they work for you because you pay them. Mmmmmmm.....