[Fourlanders] Homeowners Insurance

[Jim Worsham]

I have a question for you guys about homeowners insurance and amateur radio
gear.  I am in the process of changing the insurance company for my
homeowners insurance (Allstate has gotten ridiculous).  I have been talking
to several companies getting quotes and the question of how to insure my
amateur radio equipment has come up.  They all agree that a special rider is
required given the amount of coverage I am requesting ($10,000) but they
can't seem to agree what kind of rider is required.  Some want to insure it
as data processing/computer equipment others want to insure it as consumer
electronics.  It is really none of those things and I am afraid that if I
ever have a claim they might try to pull some BS and deny the claim.  My
question to everyone is, how do you insure your amateur radio equipment?  I
have been thinking about just doing the ARRL insurance program but I have
heard stories about folks having trouble when they file claims plus it
doesn't cover rotators, antennas and towers.  Let me know what you guys
think.  Thanks.

73
Jim, W4KXY