Re: [Elecraft] Rig Insurance
G4GNX wrote: Although I'm in the UK and slightly different rules may apply [...] You really do need specialist insurance as most ordinary residential insurance companies just don't understand our special needs and will attempt to wriggle out of a payout on very flimsy grounds. There's a story about a UK ham who claimed on his homeowner's insurance for the loss of his amateur microwave equipment. They sent him a voucher for a kitchen appliances store. 73 from Ian GM3SEK __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Having had a recent loss of radio equipment along with other items, I would comment, the insurance company strongly and aggressively pushed for a settlement under the loss definition of power surge. In this case they would only pay depreciated value for the equipment less the deductible which was $1000. While my loss was clearly due to a lightning strike, and I had service reports from 3 different servicing companies all stating lightning damage as the cause of loss or damage. In this case the insurance company is required to pay replacement cost, less the deductible. The insurance company kept trying to change the description of loss from lightning damage to power surge to lessen their liability.I held my ground, provided them multiple times the copies of service reports stating in all cases lightning damage. Final settlement was a bit over $12,000. Yes equipment insurance is most valuable and worthwhile in all aspects. It is also very important to have available a list of model numbers, serial numbers, date of acquisition and price paid. Without this the insurance company will challenge ever item and every number. Our job is to prove it while there job is to deny it. My EXCEL spreadsheet proved to be most valuable along with digital photographs. 73 Bob, K4TAX On 8/8/2015 2:00 PM, Dauer, Edward wrote: The ARRL premium is relatively steep. But that's probably because it has a $50 deductible and, according to some of the experiences posted on this thread, covers losses that may not qualify as covered occurrences under some homeowners' policies. I just checked my own scheduled personal property endorsement. The cost is on average $0.53 per hundred per year, way less than half of the ARRL premium, varying with the type of property insured. And because it's an endorsement to a combined home and auto policy, it will cover losses no matter where they happen. But the deductible is $500 per occurrence and I can't say that the endorsement would cover losses attributable to operator errors (e.g. frying a rig with a reversed polarity power connection.) Since classically insurance is a way of covering large losses rather than small ones, for me the difference in deductible isn't worth a double or triple premium; but that's an individual preference. Ted, KN1CBR Edward A. Dauer Dean Emeritus and Professor Emeritus of Law University of Denver Message: 7 Date: Fri, 7 Aug 2015 21:04:57 -0700 From: Richard W. Solomon w1...@earthlink.netmailto:w1...@earthlink.net To: 'Elecraft List' elecraft@mailman.qth.netmailto:elecraft@mailman.qth.net Subject: Re: [Elecraft] Rig Insurance Message-ID: 000f01d0d18f$64e2ad50$2ea807f0$@net Content-Type: text/plain; charset=us-ascii All I found was the rates, $1.40 per $100. Seems a tad steep to me. 73, Dick, W1KSZ Edward A. Dauer Dean Emeritus and Professor Emeritus of Law University of Denver __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to rmcg...@blomand.net __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
My experience with Ham insurance is that your Homeowners policy will cover you for all damages to your equipment provided the incident occurs when operating from home. I collected $8,000.00 on a lightning strike several years ago, all on my homeowners policy and the claim was settled quickly and painlessly by USAA. I looked at the ARRL insurance policy and rates, and thought the rates absurd and the coverage no better for someone who does not operate mobile or portable than Homeowners. Most Hams should be comfortable with their Homeowners coverage, and there is no additional charge for ham equipment. I would not waste money on an expensive ARRL ham insurance policy; so much for non-profits by the way. -- View this message in context: http://elecraft.365791.n2.nabble.com/Rig-Insurance-tp7606063p7606108.html Sent from the Elecraft mailing list archive at Nabble.com. __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
My experience with Ham insurance is that your Homeowners policy will cover you for all damages to your equipment provided the incident occurs when operating from home. I collected $8,000.00 on a lightning strike several years ago, all on my homeowners policy and the claim was settled quickly and painlessly by USAA. I looked at the ARRL insurance policy and rates, and thought the rates absurd and the coverage no better for someone who does not operate mobile or portable than Homeowners. Most Hams should be comfortable with their Homeowners coverage, and there is no additional charge for ham equipment. I would not waste money on an expensive ARRL ham insurance policy; so much for non-profits by the way. -- View this message in context: http://elecraft.365791.n2.nabble.com/Rig-Insurance-tp7606063p7606110.html Sent from the Elecraft mailing list archive at Nabble.com. __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
My homeowners insurance stated The ARRL insurance is a really good deal. If you have a claim on your ham radio equipment it would be against your policy and rates may be affected. While the ARRL insurance would not be affected by more than one claim. We strongly suggest you buy the ARRL insurance. Which I have done. Did you know the ARRL insurance (last checked 2014 before the new company took over) will cover everything and anything related to ham radio? You can insure coax, antennas, towers, connectors, rigs, computers, all accessories even concrete, radials and grounding. So if you want to insure the whole thing you can. If you get hit by lightening and it ruins your tower, antenna, concrete, grounding, rig, computer and anything else you only pay $50 per incident of not repairable. Even if it was $50 per item that is still a large savings. I believe it is well worth it. My 2 cents worth. 73 Steven Stuckey - AC9GK - Indiana __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
You make a good point, about homeowners' insurance. A couple of years ago, we had a hot water leak in the wall between the kitchen and the bathroom. Our homeowners' insurance covered not only a complete kitchen and bathroom remodel, but also the hotel room and meals when we were displaced from the house. It cost the company in the realm of $35,000, and I didn't notice the rate increasing the following year. If it did, it was probably a small increase due to the increased value of the house and property. 73 de Jim - AD6CW On 8/8/2015 2:43 PM, Steven Stuckey wrote: My homeowners insurance stated The ARRL insurance is a really good deal. If you have a claim on your ham radio equipment it would be against your policy and rates may be affected. While the ARRL insurance would not be affected by more than one claim. We strongly suggest you buy the ARRL insurance. Which I have done. Did you know the ARRL insurance (last checked 2014 before the new company took over) will cover everything and anything related to ham radio? You can insure coax, antennas, towers, connectors, rigs, computers, all accessories even concrete, radials and grounding. So if you want to insure the whole thing you can. If you get hit by lightening and it ruins your tower, antenna, concrete, grounding, rig, computer and anything else you only pay $50 per incident of not repairable. Even if it was $50 per item that is still a large savings. I believe it is well worth it. My 2 cents worth. 73 Steven Stuckey - AC9GK - Indiana __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
I tend to agree with Steve here... My insurance agent said almost the same thing... Don't call in your home owners unless you really need too... Also, given that I believe the ARRL insurance seems to cover stupidity, (you spill water in your rig it pays off), the fee is not all that bad. I had a rider on my home owners policy for a rather expensive telescope I once owned a few decades ago, and the cost was about the same, it was also a stupidity coverage type of policy. So given that the policy just pays off for almost anything, I would expect it to be higher than normal. I will be getting ARRL insurance for my rig. -- Thanks and 73's, For equipment, and software setups and reviews see: www.nk7z.net For MixW support see; http://groups.yahoo.com/neo/groups/mixw/info For Dopplergram information see: http://groups.yahoo.com/neo/groups/dopplergram/info For MM-SSTV see: http://groups.yahoo.com/neo/groups/MM-SSTV/info On Sat, 2015-08-08 at 17:43 -0400, Steven Stuckey wrote: My homeowners insurance stated The ARRL insurance is a really good deal. If you have a claim on your ham radio equipment it would be against your policy and rates may be affected. While the ARRL insurance would not be affected by more than one claim. We strongly suggest you buy the ARRL insurance. Which I have done. Did you know the ARRL insurance (last checked 2014 before the new company took over) will cover everything and anything related to ham radio? You can insure coax, antennas, towers, connectors, rigs, computers, all accessories even concrete, radials and grounding. So if you want to insure the whole thing you can. If you get hit by lightening and it ruins your tower, antenna, concrete, grounding, rig, computer and anything else you only pay $50 per incident of not repairable. Even if it was $50 per item that is still a large savings. I believe it is well worth it. My 2 cents worth. 73 Steven Stuckey - AC9GK - Indiana __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to d...@nk7z.net __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
My insurance agent said almost the same thing... Of course an insurance agent would say that. It is to his advantage to have clients who don't make claims. 73, Hank, W6SX __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
I guess I am not quite as cynical as you. -- Thanks and 73's, For equipment, and software setups and reviews see: www.nk7z.net For MixW support see; http://groups.yahoo.com/neo/groups/mixw/info For Dopplergram information see: http://groups.yahoo.com/neo/groups/dopplergram/info For MM-SSTV see: http://groups.yahoo.com/neo/groups/MM-SSTV/info On Sat, 2015-08-08 at 19:26 -0700, Hank Garretson wrote: My insurance agent said almost the same thing... Of course an insurance agent would say that. It is to his advantage to have clients who don't make claims. 73, Hank, W6SX __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to d...@nk7z.net __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Let's let the insurance threads rest for noe as we've certainly exceeded the OT posting limit :-) 73, Eric List moderator elecraft.com _..._ On Aug 8, 2015, at 12:57 AM, Ian White gm3...@ifwtech.co.uk wrote: G4GNX wrote: Although I'm in the UK and slightly different rules may apply [...] You really do need specialist insurance as most ordinary residential insurance companies just don't understand our special needs and will attempt to wriggle out of a payout on very flimsy grounds. There's a story about a UK ham who claimed on his homeowner's insurance for the loss of his amateur microwave equipment. They sent him a voucher for a kitchen appliances store. 73 from Ian GM3SEK __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to eric.swa...@elecraft.com __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Hi All, Ted, KN1CBR, makes some very good points about the complexities of coverage. I don't know about the rest of you, but my head spins when I try to decipher what my homeowner's policy will cover vs. what it will not cover! The lower deductible with ARRL insurance is definitely an attractive feature. However, you probably need to evaluate just what risks are really relevant, and compare that to the added cost. Rightly or wrongly, I've always tended to view the ARRL insurance program as protection that is best suited against total loss, such as fire or theft, and then considered just how much risk I actually have of that occurring. Then you have to correlate that to whatever protection you might have from your own homeowner's policy. Insuring simply against damage may, or may not, actually make a lot of sense since the repair bill might not actually exceed your deductible plus the premium payments you have made over time. It's a crap shoot! Then you have to consider what all you are actually going to include in your coverage--you probably don't want to insure everything--just significant items. In so doing, however, you now are paying a premium on multiple items while the risk of loss may well be only for one item (but you don't necessarily know which one!), and so you are paying not just $1.50/hundred, but a multiple of that--in effect! Maybe that doesn't make a lot of sense, but it sort of does to me. Stated differently, assume you are insuring five $1,000 items and paying a premium accordingly. Are all 5 items equally at risk simultaneously? Maybe yes, but probably not. Still, you are paying a premium for 5 items when, at any point in time, maybe only one of those items may be truly at risk--whatever that might be. This may seem like an over-complication, but I certainly think that is, at least in part, how your insurance company views things when they set the premiums! Their objective is to absolutely make money on covering you. Unfortunately, the only way you may know for sure that your arrangement has been a good deal for you is if they cancel you because they aren't making money! I had a claim, about 20 years ago, on a satellite receiver that got toasted by a lightning strike. My insurance company didn't cancel me afterwards, but they did force me to up my deductible! If they don't get you coming, they will get you going! Insurance is a must have, particularly for the significant risks we are all exposed to, but I'm still somewhat cynical about the way insurance companies run their business. You pay a premium supposedly based on a pool of risks, but if you become a claimant, the thrust of the backlash will most probably be more against you rather than the pool. Never mind that your loss may simply have been a case of the law of averages! Clearly we all should evaluate our homeowner's policies to see what coverage we have, or don't have. If the coverage isn't very good, then the ARRL insurance probably makes a lot of sense. It would be nice if we had some insurance gurus who could maybe enlighten all of us about this aspect! I'm not exactly sure about my own coverage, but this thread has started me thinking about looking into that--if I can just get my agent to stand still for a few minutes to explain it to me! Hi. I do know this--whenever I've been moved to get some sort of explanation about coverage, I often am disappointed in the response There always seems to be more in the way of exceptions, limitations, and exclusions than there is in actual coverage. Self insuring isn't a bad alternative, although it probably wouldn't be sufficient against major risks. If we had the discipline to put that premium money away in a savings account, we very well might be better off as to any of the more common risks. The problem is, most of us don't have that sort of discipline, and want the peace of mind of protection against a sudden significant cost outlay. For example, I'm guilty of this with respect to one of these home warranty plans. For many years I've been a slot machine for the insurance company, and I pay a fairly high deductible for any repair visits--probably enough to cover most of the service call! I even got a new refrigerator out of it some years back, but the premiums I have paid cover that cost many times over. Still, I keep doing it, mainly out of concern that one of my A/C units might blow up! It's hard to argue against the peace of mind thing, so you pay your money and take your choice! Dave W7AQK __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
I'm relieved to hear that! I had heard some rumor that the ARRL insurance wasn't that great, but I understand that they changed carriers. Do they offer a true replacement cost for items? That's what it says on my homeowner's policy, but after filing a claim I noticed that they had depreciated some items. 73 de Jim - AD6CW On 8/7/2015 8:26 AM, Ian - Ham wrote: I have the insurance offered by the ARRL. It is very reasonably priced, and the service has always been excellent (although I only filed a claim once, for an antenna I lost when a tree collapsed). Hope this helps. 73 de, --Ian Ian Kahn, KM4IK Roswell, GA EM74ua km4ik@gmail.com __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Yes, they offer true replacement cost. There is a $50 deductible on claims. If you're replacing a high-end rig (like a K3/K3S), you're going to come out very well. 73 de, --Ian Ian Kahn, KM4IK Roswell, GA EM74ua km4ik@gmail.com 10-10 #74624, North Georgia Chapter #2038 PODXS 070 #1962 K3# 281, P3 #688, KAT500 #860, KPA500 #1468 -Original Message- From: Elecraft [mailto:elecraft-boun...@mailman.qth.net] On Behalf Of Jim Lowman Sent: Friday, August 7, 2015 7:28 PM To: elecraft@mailman.qth.net Subject: Re: [Elecraft] Rig Insurance I'm relieved to hear that! I had heard some rumor that the ARRL insurance wasn't that great, but I understand that they changed carriers. Do they offer a true replacement cost for items? That's what it says on my homeowner's policy, but after filing a claim I noticed that they had depreciated some items. 73 de Jim - AD6CW On 8/7/2015 8:26 AM, Ian - Ham wrote: I have the insurance offered by the ARRL. It is very reasonably priced, and the service has always been excellent (although I only filed a claim once, for an antenna I lost when a tree collapsed). Hope this helps. 73 de, --Ian Ian Kahn, KM4IK Roswell, GA EM74ua km4ik@gmail.com __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to km4ik@gmail.com --- This email has been checked for viruses by Avast antivirus software. https://www.avast.com/antivirus __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Yes, and the ARRL insurance covers your gear even when mounted or transported in a vehicle (many homeowner's policies do not cover that, and you must rely on your auto insurance for recovery - good luck, many exclude radio gear). It also covers antennas and towers if you specify those on the policy. Yes, you must enumerate your gear that you wish to be covered, but once that is done, you are covered for full replacement value. My only experience with an ARRL insurance claim was through a customer who wanted to use his K2/100 for Field Day, and someone connected the 12 volt supply with reverse polarity. The KPA100 became a crispy critter, but the ARRL insurance covered the cost of a new kit plus my fee to build it - in full (I did not get the details of any deductible). The process was very quick and both myself and the customer was a pleasant one. 73, Don W3FPR On 8/7/2015 8:28 PM, Ian - Ham wrote: Yes, they offer true replacement cost. There is a $50 deductible on claims. If you're replacing a high-end rig (like a K3/K3S), you're going to come out very well. __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Silly question, Is the premium per month or a one time thing? (I'm not sure and the XYL says it's probably per month... She is smarter than me..) The website doesn't provide much in the way of help on this question... 72, Joshua Gould K8WXA EM89pn KX3 # 7480 NAQCC # 7704 OMISS # 9948 4sqrp # 990 FP # 3579 On Fri, Aug 7, 2015 at 9:50 PM, Don Wilhelm w3...@embarqmail.com wrote: Yes, and the ARRL insurance covers your gear even when mounted or transported in a vehicle (many homeowner's policies do not cover that, and you must rely on your auto insurance for recovery - good luck, many exclude radio gear). It also covers antennas and towers if you specify those on the policy. Yes, you must enumerate your gear that you wish to be covered, but once that is done, you are covered for full replacement value. My only experience with an ARRL insurance claim was through a customer who wanted to use his K2/100 for Field Day, and someone connected the 12 volt supply with reverse polarity. The KPA100 became a crispy critter, but the ARRL insurance covered the cost of a new kit plus my fee to build it - in full (I did not get the details of any deductible). The process was very quick and both myself and the customer was a pleasant one. 73, Don W3FPR On 8/7/2015 8:28 PM, Ian - Ham wrote: Yes, they offer true replacement cost. There is a $50 deductible on claims. If you're replacing a high-end rig (like a K3/K3S), you're going to come out very well. __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to jg.k8...@gmail.com __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Joshua, The ARRL insurance premium is for 12 months. 73, Don W3FPR On 8/7/2015 11:48 PM, Joshua Gould wrote: Silly question, Is the premium per month or a one time thing? (I'm not sure and the XYL says it's probably per month... She is smarter than me..) The website doesn't provide much in the way of help on this question... 72, Joshua Gould K8WXA EM89pn KX3 # 7480 NAQCC # 7704 OMISS # 9948 4sqrp # 990 FP # 3579 On Fri, Aug 7, 2015 at 9:50 PM, Don Wilhelm w3...@embarqmail.com mailto:w3...@embarqmail.com wrote: Yes, and the ARRL insurance covers your gear even when mounted or transported in a vehicle (many homeowner's policies do not cover that, and you must rely on your auto insurance for recovery - good luck, many exclude radio gear). It also covers antennas and towers if you specify those on the policy. Yes, you must enumerate your gear that you wish to be covered, but once that is done, you are covered for full replacement value. My only experience with an ARRL insurance claim was through a customer who wanted to use his K2/100 for Field Day, and someone connected the 12 volt supply with reverse polarity. The KPA100 became a crispy critter, but the ARRL insurance covered the cost of a new kit plus my fee to build it - in full (I did not get the details of any deductible). The process was very quick and both myself and the customer was a pleasant one. 73, Don W3FPR On 8/7/2015 8:28 PM, Ian - Ham wrote: Yes, they offer true replacement cost. There is a $50 deductible on claims. If you're replacing a high-end rig (like a K3/K3S), you're going to come out very well. __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to jg.k8...@gmail.com mailto:jg.k8...@gmail.com __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
All I found was the rates, $1.40 per $100. Seems a tad steep to me. 73, Dick, W1KSZ -Original Message- From: Elecraft [mailto:elecraft-boun...@mailman.qth.net] On Behalf Of Don Wilhelm Sent: Friday, August 07, 2015 8:53 PM To: Joshua Gould Cc: Elecraft List Subject: Re: [Elecraft] Rig Insurance Joshua, The ARRL insurance premium is for 12 months. 73, Don W3FPR On 8/7/2015 11:48 PM, Joshua Gould wrote: Silly question, Is the premium per month or a one time thing? (I'm not sure and the XYL says it's probably per month... She is smarter than me..) The website doesn't provide much in the way of help on this question... 72, Joshua Gould K8WXA EM89pn KX3 # 7480 NAQCC # 7704 OMISS # 9948 4sqrp # 990 FP # 3579 On Fri, Aug 7, 2015 at 9:50 PM, Don Wilhelm w3...@embarqmail.com mailto:w3...@embarqmail.com wrote: Yes, and the ARRL insurance covers your gear even when mounted or transported in a vehicle (many homeowner's policies do not cover that, and you must rely on your auto insurance for recovery - good luck, many exclude radio gear). It also covers antennas and towers if you specify those on the policy. Yes, you must enumerate your gear that you wish to be covered, but once that is done, you are covered for full replacement value. My only experience with an ARRL insurance claim was through a customer who wanted to use his K2/100 for Field Day, and someone connected the 12 volt supply with reverse polarity. The KPA100 became a crispy critter, but the ARRL insurance covered the cost of a new kit plus my fee to build it - in full (I did not get the details of any deductible). The process was very quick and both myself and the customer was a pleasant one. 73, Don W3FPR On 8/7/2015 8:28 PM, Ian - Ham wrote: Yes, they offer true replacement cost. There is a $50 deductible on claims. If you're replacing a high-end rig (like a K3/K3S), you're going to come out very well. __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to jg.k8...@gmail.com mailto:jg.k8...@gmail.com __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to w1...@earthlink.net __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Fortunately, my homeowners insurance (State Farm) will pay for that loss up to and including if the rig that was damaged is no longer available, will pay for whatever has taken it's place. Had a test of this back in 1999, when I took a direct hit. Insurance paid 100% NEW replacement cost. for all radios and antennas. It was Christmas in May, sorta. Policy still the same, with same coverage. Interesting side note of the lightening strike, only rig not damaged at all was the one connected to an Alpha Delta 2 position antenna switch box with arc plug. Three other rigs, power supply and a bunch of other accessories on the bench became toast. Gene, N9TF K3S-F 10057 - Original Message - From: ae...@carolinaheli.com To: elecraft@mailman.qth.net Sent: Friday, August 7, 2015 10:13:48 AM Subject: [Elecraft] Rig Insurance I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. Just wondering what folks do and their experiences protecting their investments. Jerry / AE4PB __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to n...@comcast.net __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
And the ARRL policy covers ALL parts of the station, including computers, cables, etc., against ANY losses, even self-inflicted ones. Ian, KM4IK On Aug 7, 2015 5:21 PM, G4GNX g4...@theatreorgans.co.uk wrote: Although I'm in the UK and slightly different rules may apply, generally I would say don't be without complete station insurance. Not only insurance against rig damage by any means, but also against damage to all other parts of your station and perhaps more importantly, public liability insurance to cover against any part of your station causing damage to any other person or property. My own station is insured in the sum of $7000 with public liability cover of $3million. You really do need specialist insurance as most ordinary residential insurance companies just don't understand our special needs and will attempt to wriggle out of a payout on very flimsy grounds. 73, Alan. G4GNX -Original Message- From: ae...@carolinaheli.com Sent: Friday, August 07, 2015 4:13 PM To: elecraft@mailman.qth.net Subject: [Elecraft] Rig Insurance I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. Just wondering what folks do and their experiences protecting their investments. Jerry / AE4PB __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to km4ik@gmail.com __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
I’ll be signing up for that soon. I carry my Yaesu VX-6R with me everywhere, or at least I did until it disappeared a week ago. I continue to tear apart the car, the house, and work, but haven’t found it yet. That loss alone would probably pay for my insurance over all my ham gear. By the way, if you find a VX-6R with a beat-up Diamond SRH320A antenna in a parking lot or some other strange place near Palo Alto, let me know. I can verify the memories against my Chirp upload. wunder K6WRU CM87wj http://observer.wunderwood.org/ (my blog) On Aug 7, 2015, at 2:30 PM, Ian Kahn km4ik@gmail.com wrote: And the ARRL policy covers ALL parts of the station, including computers, cables, etc., against ANY losses, even self-inflicted ones. Ian, KM4IK On Aug 7, 2015 5:21 PM, G4GNX g4...@theatreorgans.co.uk wrote: Although I'm in the UK and slightly different rules may apply, generally I would say don't be without complete station insurance. Not only insurance against rig damage by any means, but also against damage to all other parts of your station and perhaps more importantly, public liability insurance to cover against any part of your station causing damage to any other person or property. My own station is insured in the sum of $7000 with public liability cover of $3million. You really do need specialist insurance as most ordinary residential insurance companies just don't understand our special needs and will attempt to wriggle out of a payout on very flimsy grounds. 73, Alan. G4GNX -Original Message- From: ae...@carolinaheli.com Sent: Friday, August 07, 2015 4:13 PM To: elecraft@mailman.qth.net Subject: [Elecraft] Rig Insurance I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. Just wondering what folks do and their experiences protecting their investments. Jerry / AE4PB __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to km4ik@gmail.com __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to wun...@wunderwood.org __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Test 73 Steven Stuckey - AC9GK - Indiana __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
I have found the program offered by ARRL is one of the best. 73 Bob, K4TAX On 8/7/2015 10:13 AM, ae...@carolinaheli.com wrote: I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. Just wondering what folks do and their experiences protecting their investments. Jerry / AE4PB __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to rmcg...@blomand.net __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
ARRL affiliated insurance. Wouldn't be without it. 73, Mike NF4L On Aug 7, 2015, at 11:13 AM, ae...@carolinaheli.com ae...@carolinaheli.com wrote: I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. Just wondering what folks do and their experiences protecting their investments. Jerry / AE4PB __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to n...@comcast.net __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
I have the insurance offered by the ARRL. It is very reasonably priced, and the service has always been excellent (although I only filed a claim once, for an antenna I lost when a tree collapsed). Hope this helps. 73 de, --Ian Ian Kahn, KM4IK Roswell, GA EM74ua km4ik@gmail.com 10-10 #74624, North Georgia Chapter #2038 PODXS 070 #1962 K3# 281, P3 #688, KAT500 #860, KPA500 #1468 -Original Message- From: Elecraft [mailto:elecraft-boun...@mailman.qth.net] On Behalf Of ae...@carolinaheli.com Sent: Friday, August 7, 2015 11:14 AM To: elecraft@mailman.qth.net Subject: [Elecraft] Rig Insurance I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. Just wondering what folks do and their experiences protecting their investments. Jerry / AE4PB __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to km4ik@gmail.com --- This email has been checked for viruses by Avast antivirus software. https://www.avast.com/antivirus __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Hi Don, Sounds like very good advice to me. I was very surprised when I heard the pop. I'm newly getting back into the hobby and moved my shack from the bedroom on one end of the house to my office on the opposite side. I have a lot of wiring items on my list which includes a 240vac circuit and heavy ground from the actual panel ground rod which I'll tie into a ground rod at my end and common all grounds in a subpanel in the office. In addition I'm planning a plate with throughole connectors for my coax that's grounded to the same point, then a manual coax switch (I'll have a remote coax switch for switching antennas, just can't find the outside unit yet). The resistor idea sounds like a plan as well. jer -Original Message- From: Don Wilhelm [mailto:w3...@embarqmail.com] Sent: Friday, August 07, 2015 1:05 PM To: ae...@carolinaheli.com; elecraft@mailman.qth.net Subject: Re: [Elecraft] Rig Insurance Jerry, Even though ARRL offers good and comprehensive insurance coverage for your ham gear, you talked about an arc from your coax connector. The best insurance for that condition is to make certain there is a DC path across each of your feedlines to dissipate such a static charge. A 5k to 50k 1 watt non-reactive resistor will normally do that job nicely. An in-line antenna switch to switch the transceiver to a dummy load (or an open) is good additional insurance. If you do use an antenna switch, you may be able to open it and install the above mentioned resistors inside. 73, Don W3FPR On 8/7/2015 11:13 AM, ae...@carolinaheli.com wrote: I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Yes and remember, ALL lightning protection efforts and methods must be outside of the house or structure for safety reasons. PolyPhaser systems are noted to be excellent in this regard. And second, the ground system provided for your station must be bonded back to the AC Main ground.This is per NEC code. The disconnection of antennas AND power is the safest way for inside equipment protection. 73 Bob, K4TAX On 8/7/2015 12:05 PM, Don Wilhelm wrote: Jerry, Even though ARRL offers good and comprehensive insurance coverage for your ham gear, you talked about an arc from your coax connector. The best insurance for that condition is to make certain there is a DC path across each of your feedlines to dissipate such a static charge. A 5k to 50k 1 watt non-reactive resistor will normally do that job nicely. An in-line antenna switch to switch the transceiver to a dummy load (or an open) is good additional insurance. If you do use an antenna switch, you may be able to open it and install the above mentioned resistors inside. 73, Don W3FPR On 8/7/2015 11:13 AM, ae...@carolinaheli.com wrote: I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to rmcg...@blomand.net __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Jerry, Even though ARRL offers good and comprehensive insurance coverage for your ham gear, you talked about an arc from your coax connector. The best insurance for that condition is to make certain there is a DC path across each of your feedlines to dissipate such a static charge. A 5k to 50k 1 watt non-reactive resistor will normally do that job nicely. An in-line antenna switch to switch the transceiver to a dummy load (or an open) is good additional insurance. If you do use an antenna switch, you may be able to open it and install the above mentioned resistors inside. 73, Don W3FPR On 8/7/2015 11:13 AM, ae...@carolinaheli.com wrote: I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Jerry and Ian, As Ian said, ARRL has rig insurance. Also, talk with your homeowners/renters insurance company. Your casualty insurance will pay to repair/replace personal property up to the coverage levels in your policy. This type coverage has deductibles, etc. You can also purchase 'valuable personal property' coverage for things like amateur radio equipment, cameras, etc. With my insurance carrier there is no deductible and items are covered at home, in car, in hotel room, wherever even if the damage is caused by my spilling coffee on/into the item. Hope that helps you. 73 NORRL On Fri, Aug 7, 2015 at 9:26 AM, Ian - Ham km4ik@gmail.com wrote: I have the insurance offered by the ARRL. It is very reasonably priced, and the service has always been excellent (although I only filed a claim once, for an antenna I lost when a tree collapsed). Hope this helps. 73 de, --Ian Ian Kahn, KM4IK Roswell, GA EM74ua km4ik@gmail.com 10-10 #74624, North Georgia Chapter #2038 PODXS 070 #1962 K3# 281, P3 #688, KAT500 #860, KPA500 #1468 -Original Message- From: Elecraft [mailto:elecraft-boun...@mailman.qth.net] On Behalf Of ae...@carolinaheli.com Sent: Friday, August 7, 2015 11:14 AM To: elecraft@mailman.qth.net Subject: [Elecraft] Rig Insurance I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. Just wondering what folks do and their experiences protecting their investments. Jerry / AE4PB __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to km4ik@gmail.com --- This email has been checked for viruses by Avast antivirus software. https://www.avast.com/antivirus __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to ldormis...@gmail.com __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
Re: [Elecraft] Rig Insurance
Although I'm in the UK and slightly different rules may apply, generally I would say don't be without complete station insurance. Not only insurance against rig damage by any means, but also against damage to all other parts of your station and perhaps more importantly, public liability insurance to cover against any part of your station causing damage to any other person or property. My own station is insured in the sum of $7000 with public liability cover of $3million. You really do need specialist insurance as most ordinary residential insurance companies just don't understand our special needs and will attempt to wriggle out of a payout on very flimsy grounds. 73, Alan. G4GNX -Original Message- From: ae...@carolinaheli.com Sent: Friday, August 07, 2015 4:13 PM To: elecraft@mailman.qth.net Subject: [Elecraft] Rig Insurance I'm wondering with such a large investment in gear if anyone has special insurance just for their station? I'm pretty OCD about disconnecting my station when not in use (major pain) and actually had my coax arch connector arc over recently (I keep rubber covers over the connectors when not connected) when a storm was near and there was a lightning hit up the road. It would be a real shame to invest in a lifetime rig and lose it to something silly like a storm/fire..etc. Just wondering what folks do and their experiences protecting their investments. Jerry / AE4PB __ Elecraft mailing list Home: http://mailman.qth.net/mailman/listinfo/elecraft Help: http://mailman.qth.net/mmfaq.htm Post: mailto:Elecraft@mailman.qth.net This list hosted by: http://www.qsl.net Please help support this email list: http://www.qsl.net/donate.html Message delivered to arch...@mail-archive.com
