Hell if you called and got a $4,000 policy and set it up to pay monthly it would be like $30 a month. Within the first month or two you could claim it stolen and get the check for $4,000 cash that buy a good $3,500 shee and still have $500 to pay off the policy. In the end you didn't pay a dime.
My policy is for $6,500 and cost me $270 a year and I have to pay it off in the first 6 months. Well worth it in my opinion.