Since all of my home/truck/cabin insurance renews in October, dug out all the Erie paperwork that came a few weeks ago. It's $257 per year on the cabin and hasn't really gone up much over the past 15 years since the cabin has been in my name.
$100K liability coverage and the property is posted. Total of about $55K on structure, contents, etc. and structure loss replacement coverage. That's about right for coverage, since the place is only around 800 square feet of living space and attached shed.
Everything in there is older furniture and appliances that have been hauled up there over the past 40 years. Or donated stuff, like the little microwave and two spares. The original microwave croaked in deer season years ago, ain't taking any chances.
When I added the cabin, Erie rep asked about a wood stove, distance to the closest VFD, etc. When I noted the wood stove has a SS insulated chimney and approved protective material on wall/floor, she asked if I had any installed heating source? Yep, electric baseboard. So she wrote that up as the primary heating source, with supplemental wood stove.
Had a haggle over the VFD being over five miles (it's seven miles), but I told her it's a rural area with little traffic and the several times I know of that they've responded to the area where camp is, they were there in 10 minutes. We have several VFDs where I live and it takes them twice that long to cover seven miles, with heavier traffic and multiple traffic lights to negotiate.