[resto4u]

I would insure it for $35,000. Look at comps that have sold recently. If something happens, you don't want to find out you don't have enough to replace it. And if you have reciepts, add those up. And if you did the work yourself, estimate what you would have to pay someone to do the work. Just because you did the work yourself, doesn't mean that is not included in the appraisal. It is based on the quality of the work, not who has done the work.