What you want to insure it for is so that you could go out and purchase one to replace it at retail value. You can put any value you want but they can always contest it. 15k to 20k sounds about right but as I said retail value so I'd go 20k. But that rebuilt title can be a killer. Get it apprized it should cost $75.00 to 125.00 max if they want more find someone else or pm me.