I've lost nearly all of my starter kit. It wasn't stolen or anything; my father-in-law gave away almost all of my kit without realizing it (to the city mission). I don't even have enough pieces of it left to do a show recipe. My questions: do we have product insurance that would cover that? would HO do anything about it? I have no clue what I need to do here. My sister thought maybe they could give me a new starter kit and have me just pay the difference between the new and old kit prices. I am at such a loss -- any suggestions?