The company that underwrites the ARRL insurance program is the Marsh 
Affinity Group.  The deductible is $50 and they will pay replacement 
cost up to the declared value on the application. Thus, you should 
keep that up-to-date for any current gear. TenTec has raised the 
price on the O II since I bought it, so I'll take a bit more than the 
$50 deductible loss on this. But it won't be as bad as my 
homeowner's, which has a $500 deductible.
I will be reimbursed (up to the declared value) when I buy a new 
radio and send the insurance adjuster a copy of the sales receipt. I 
will also be reimbursed for the labor needed to assess the damage by 
TenTec. At least, that's what it says in the policy!
Kim Elmore, N5OP
At 03:32 PM 6/19/2007, you wrote:
>Last I heard there is only one company handling ARRL ham radio insurance.
>Stuart
>K5KVH
>
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