Under insurance: If actual value of insured property at the time of loss under fire benefit is greater than the sum insured opted then the claim is reduced in the same proportion. (policybazaar.com)
But on the other hand, maybe the ratio of speculation to actual value in the blockchain space has never been higher, which is saying a lot. (techcrunch.com)
Also, check your policy to see if it pays out based on actual value or replacement value. (pocketsense.com)