I'm sorry just have to say something. What the insurance company pays for a device does not present it's true value. You would have to be crazy to spend that much out of pocket. The i16 and the i13 have the same i5 cpu that came out with the surface pro 5 ( 2017 ) . This is fine if insurance pays for it. Otherwise you can buy the pceye ($1250) and a surface pro 9 ($1000)