In the US, insurance is mostly driven by hull value and then by number of seats since that ups the injury liability. A Cirrus carries no premium over other planes.
My rough guess for off airport landings is:
BRS 99% survival 5% plane will fly again
Non-BRS 75% survival 60% plane will fly again
I favor life over property.
Why is the prevailing attitude of many that:
a) The pilot should die trying because he should have trained better
b) The passengers should die because they chose to fly with a poorly trained pilot
Here is an off airport landing by a Cirrus flown by a guy who thought the BRS system shouldn't be used if he saw a good field (that according to a friend of his and fellow Cirrus pilot). He had plenty of time. The ATC recordings have him telling ATC his intentions to dead stick it in.
In the case of the chute pull under discussion, ATC recordings have ATC giving the pilot clearance to Pickins County airport, having the trucks roll just in case and when the pilot says he can't make the field acknowledging the pilot's decision to activate BRS.