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Rig Insurance

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ae4pb

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

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Ian Kahn, KM4IK

Re: 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
[hidden email]
10-10 #74624, North Georgia Chapter #2038
PODXS 070 #1962
K3# 281, P3 #688, KAT500 #860, KPA500 #1468

-----Original Message-----
From: Elecraft [mailto:[hidden email]] On Behalf Of
[hidden email]
Sent: Friday, August 7, 2015 11:14 AM
To: [hidden email]
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

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Lee Ormiston

Re: 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 <[hidden email]> 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
> [hidden email]
> 10-10 #74624, North Georgia Chapter #2038
> PODXS 070 #1962
> K3# 281, P3 #688, KAT500 #860, KPA500 #1468
>
> -----Original Message-----
> From: Elecraft [mailto:[hidden email]] On Behalf Of
> [hidden email]
> Sent: Friday, August 7, 2015 11:14 AM
> To: [hidden email]
> 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:[hidden email]
>
> This list hosted by: http://www.qsl.net
> Please help support this email list: http://www.qsl.net/donate.html
> Message
> delivered to [hidden email]
>
>
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Mike Reublin NF4L

Re: Rig Insurance

In reply to this post by ae4pb

ARRL affiliated insurance. Wouldn't be without it.
73, Mike NF4L

> On Aug 7, 2015, at 11:13 AM, <[hidden email]> <[hidden email]> 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:[hidden email]
>
> This list hosted by: http://www.qsl.net
> Please help support this email list: http://www.qsl.net/donate.html
> Message delivered to [hidden email]

Bob McGraw - K4TAX

Re: Rig Insurance

In reply to this post by ae4pb

I have found the program offered by ARRL is one of the best.

73 Bob, K4TAX

On 8/7/2015 10:13 AM, [hidden email] 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:[hidden email]
>
> This list hosted by: http://www.qsl.net
> Please help support this email list: http://www.qsl.net/donate.html
> Message delivered to [hidden email]
>
>
>

Don Wilhelm-4

Re: Rig Insurance

In reply to this post by ae4pb

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, [hidden email] wrote:

Jerry Moore

Re: 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:[hidden email]]
Sent: Friday, August 07, 2015 1:05 PM
To: [hidden email]; [hidden email]
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, [hidden email] 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.
>

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Bob McGraw - K4TAX

Re: Rig Insurance

In reply to this post by Don Wilhelm-4

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, [hidden email] 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:[hidden email]
>
> This list hosted by: http://www.qsl.net
> Please help support this email list: http://www.qsl.net/donate.html
> Message delivered to [hidden email]
>
>
>

EUGENE GABRY

Re: Rig Insurance

In reply to this post by ae4pb

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: [hidden email]
To: [hidden email]
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

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Steven Stuckey

Re: Rig Insurance

Test

73

Steven Stuckey - AC9GK - Indiana
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Alan. G4GNX

Re: Rig Insurance

In reply to this post by ae4pb

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: [hidden email]
Sent: Friday, August 07, 2015 4:13 PM
To: [hidden email]
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:[hidden email]

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Ian Kahn, KM4IK

Re: 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" <[hidden email]> 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: [hidden email]
> Sent: Friday, August 07, 2015 4:13 PM
> To: [hidden email]
> 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:[hidden email]
>
> This list hosted by: http://www.qsl.net
> Please help support this email list: http://www.qsl.net/donate.html
> Message delivered to [hidden email]
>

Jim Low man

Re: Rig Insurance

In reply to this post by Ian Kahn, KM4IK

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:

Ian Kahn, KM4IK

Re: 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
[hidden email]
10-10 #74624, North Georgia Chapter #2038
PODXS 070 #1962
K3# 281, P3 #688, KAT500 #860, KPA500 #1468

-----Original Message-----
From: Elecraft [mailto:[hidden email]] On Behalf Of Jim
Lowman
Sent: Friday, August 7, 2015 7:28 PM
To: [hidden email]
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
> [hidden email]
>

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Don Wilhelm-4

Re: 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.
>
>

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Joshua Gould, K8WXA

Re: 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 <[hidden email]> 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:[hidden email]
>
> This list hosted by: http://www.qsl.net
> Please help support this email list: http://www.qsl.net/donate.html
> Message delivered to [hidden email]
>

Don Wilhelm-4

Re: 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 <[hidden email]
> <mailto:[hidden email]>> 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.
>
>
>
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>

W1KSZ

Re: 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:[hidden email]] 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:

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gm3sek

Re: Rig Insurance

In reply to this post by Alan. G4GNX

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

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Edward A. Dauer

Rig Insurance

In reply to this post by ae4pb

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" <[hidden email]<mailto:[hidden email]>>
To: "'Elecraft List'" <[hidden email]<mailto:[hidden email]>>
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

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