Upload & Sell: Off
Did PPA change? When I was a member you had the option to buy Hartford insurance, not free insurance with a membership. I had to make a claim with PPA's Hartford and it was fantastic. I've since changed to APA and also have Hartford, but all insurance rates have gone up. The deductible went from $100 to $500.
You can buy whatever you want. The insurance included with PPA membership is not something I would rely on as my primary equipment insurance, but it serves as a supplementary policy (it's not automatic--you have to be sure to register for it on the PPA website). You can make it a better policy by paying for better coverage through the same company.
But I find it better for myself to deal with an agent who can bundle all my business insurance needs, and someone local who can print me out a venue indemnity certificate whenever I need it.