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I had the EXACT same problem. Two wheels cracked, and the loss of pressure caused damage to the tire. Insurance would pay for the wheel, but not the tires as they said I damaged it. Even though logic says it wouldn't have been damaged if the wheels didn't crack, I got stuck paying for two new tires.
Giving the retail price of the wheels themselves, I'm still glad I bought the insurance. But was still very disappointed that it they hid these little details in the fine print. I don't know about you, but I would've paid some extra money to have the tires included (as I thought they were).
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