You could insure yourself better, and cheaper, IMO, by buying the same wheel & tire on ebay, or tirerack, and keeping it at home in case its needed. I'd rather have the peace of mind that comes from knowing that I have that new wheel & tire rather than some piece of paper. I keep full size spares at 1/2 inflation pressure, inside, in the dark, covered, and sprayed with 303 Aerospace Protectant. That works for me.
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