You say "Insert Below can't be used because it inserts a line without formulae". Why is that an issue? Why can you not either: (a) copy the formulae from the row above; or (b) insert the formulae programmatically?
As for the changing formula in F2, you could replace that with:
=SUM(OFFSET($A$1,ROW()-1,1,1,4))
Note that this uses neither sheet references nor table references - everything references a single coordinate (in this case A1), which can be anywhere on the worksheet (it could also be a named cell).
The alternative, of course, is to not add a new first line to an "empty" table.
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Cheers,
Paul Edstein
[Fmr MS MVP - Word]
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