OK, apologies for my views on H-D. I know they're not to everyone's taste, but neither are the bikes I like/ride.
Regarding your insurance, there are plenty of 'specialist' brokers out there, just like there are for the Zed, pick up a copy of MCN or bike magazine and call a large number of them.
Things like alarms and security tagging (like Alphadot or Datatag) can reduce premiums, aswell as keeping it in a locked garage with a ground anchor.