The F-P breaker "issue" was due to an OEM supplier.
I have purchased F-P replacements withiin the last 10 years that were manufactured by a different source using different materials and processes, and they do work. They are also expensive, but not as bad as the Pushmatic my dad bought a few years ago.
As far as insurance, I asked our State Farm agent, and he had no idea of an issue with F-P. I also asked an electrical engineer at work about the F-P issue. He laughed and said "I hope not - that's what I've had in my house for 30 years!"