It probably would be worth thinking about the ground only coverage, which I might opt for when the plane is flying again. Just depends on your tolerance for risk vs annual premiums.
That being said, the only thing I've ever had is liability on my RV-4, which has been flying for 22 years without incident...so you just never know...Of course it cost me less than $20,000 to build back in the dark ages.
A big plug for my broker Nationair (thank you Shanna), and the underwriter Chartis. They handled the claim very quickly, efficiently and fairly. It also didn't hurt that the pretty new Pipers we played tag with (a total of four were damaged) were also insured by Chartis
Tom Chapman
San Antonio