For those of us that do not buy insurance through Auctiva, there needs to be a way in the templates to select "Optional" or "Required" without having to fill in a price. It is impossible to fill in a price until the auction ends. Not being able to say if insurance is required or optional causes a ton of confusion for my buyers. This has always been an "auctiva" bug and I just lived with it because the service was free. Now that I will have to be paying for services - this really needs to be fixed. The way you have it makes no sense at all.