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From @BestGames
Have investigated a little bit.
It seems that .... 
This insurance is only available when you buy RV from the system
The insured fixed price is the price you bought your RVs.
Mean, if you buy RVs at the price e.g. $0.20 to 1 RV, this is automatically your insurance price.
Please do not forget that you lose 10% by paying insurance fee.
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