I pay $75 a month for insurance. It probably wouldn't be worth it for one machine. unless you want to just wing it. As some have suggested check with the currant op before putting a pin in. In my case I put 15 pins in one spot and talked to the current operator about. In fact I bought the only pinball they had left which was in that bar. All the op's around me don't have pins because they don't make money.