When I was getting quotes for homeowners insurance I specifically asked my agent about coverage for my tower. It turned out that for just a few dollars a year I could purchase a rider to cover my tower, however the standard $1,000 deductible applies, and it’s not clear if the antennas and rotor are covered. I decided that I was okay with that for the time being.
But I recently upgraded three smartphones, two being Apple iPhone 6s devices, and a Samsung Galaxy S7. The cellular provider is happy to provide coverage for accidental damage for only $9/mo per device, with a $50 deductible, and I have to send the phone off to some 3rd party to attempt to repair it, and if they can’t, they replace it with a “comparable” refurbished device. That doesn’t sound like a good deal at all.
Instead, I purchased a policy from Ham Radio Insurance Associates to cover not only my ham radio equipment, but my smart phones as well. The coverage was less than $100 a year. Next year I’ll probably add my tower, antenna, and rotor to the policy as well, instead of purchasing the rider to my homeowners policy.
If you are wanting to insure your ham radio equipment, be sure to check out HRIA. They have great rates, and the agent is a ham operator.