Filing a claim w/SF will affect your risk assessment rating in the LexisNexis (ChoicePoint) database which all insurers use to calculate premiums. If you're a long-term customer with your current insurance company and file a claim, there's little likelihood that the claim will affect your premium (since that insurer has first-hand history with you). But if you shop around for insurance on a regular basis, and switch companies to chase best rates, you will likely no longer qualify for the lowest rates because this kind of claim.
There's no denying that the $60 premium is a good deal for those in the ideal situation. But anyone considering going this route needs to be aware that there is no free lunch - and filing a claim will provide new insurers justification to charge more.
Personally, I paid for the Refresh package since it is a stand-alone term product that does not get reported to ChoicePoint. But, my 1 year anniversary is approaching quickly, and it is not renewable.
I would consider getting the SF policy (it is available in my state), but since I use a broker to shop best rates at each renewal, I would simply be giving them a reason to jack my rates. I paid $1k. New ones are now sub-$900. If my homeowner's policy jumps by a few hundred dollars per year for the next 6 years because of a claim, it doesn't make sense. Heck, my rates seem to be going up 10-20% every year w/o any claims.