Enough to get an adequate replacement.
any more and you pay too much insurance.
The idea that you get a high appraisal suggests you are clever and beat the system. That is silly. If you want to know you got a great price - ask me to tell you.
I will write to you "wow you got a great price, you must be very clever "
If you bought retail then it should be appraised retail, if you bought online then it should be a lower online appraisal
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