i cant remember what exact guitar or model it was but i was in sound control a while back in the acoustic department and a guy was trying out a few acoustics. the sales dude pointed him towards a solid top that cost around £150.

i wish i'd listened better because it did sound really nice for a low end acoustic. it might have been legacy.

fwiw if you're going to get the insurance money i'd just leave it because as good as a sound as you might be able to get, the tuners, action and intonation are probably not worth the hassle of dealing with if a few weeks for a payout is all it takes to get another nice acoustic.

i used to have a bit of an aversion to buying second hand but if i hadn't got over that i wouldn't have either of my g&l's or some of my favourite pedals...