It wouldn't be a good idea to claim something that small on your home owner's policy anyways. Some insurance companies are dropping policy holders that make too many claims:
if you make a claim against your homeowner's insurance for a small amount of money, the insurer may treat your horribly. Sure, they'll pay the claim. But they may fire you after.
You should have looked at the Creative Zen Vison M or the Creative Zen Vision W. Both support Audible and PlayForSure.
But the best thing about these two players is their Divx and Xvid support. No need to re-convert video, like the Zune or Ipod.
Kari Byron from MythBusters.
I only have a fiver... you insensitive clod!