One might suggest this...
I just succumbed to GAS (and I have sold 6 instruments recently) I went on eBay and purchased a rack mount power amp to fill a space under my Line 6 preamp.
I've had a spuriously high quote once before, queried it and it got corrected.
I've used them quite a few times now and not had any problems, although I've yet to hear what happens if you do need to claim on the insurance...
I think I'm probably at risk too, have had multiple instances of Pneumonia and I also have an auto immune disorder. I'm still not sure that I should be worried though.