Interesting app. And possibly useful to someone who has never bought insurance of any kind, much less aircraft. But it should be labelled, “For entertainment purposes only.”
The best approach to buying insurance, of any kind, is to approach agents in your local community, ask lots of questions, be forthright in your answers, and go with the one that makes the most sense to you. There are so many ramifications, what-if’s, and considerations you never thought of, that you want someone who is willing to patiently explain the landscape before you decide on a path.
Of course, for finding aviation insurance, you can’t beat spending a day or two at Airventure or SnF meeting with insurance reps, and asking questions. That’s how I found my insurer several decades ago, and even though the company has gone through a number of corporate changes, my agent is still there and always gets me a very affordable renewal rate.