I noticed that the terms for purchase protection now require you to file a claim with any renters or homeowners insurance you have before they'll consider - I guess that's new? But doesn't that void any benefit of using purchase protection, given that I'd then have to report making a claim against my homeowners insurance and send my rates through the roof? I was looking at filing a claim for a $60 pool float that would be absurd to claim on any insurance but I thought was exactly what PP was supposed to protect against.