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HOMEOWNERS POLICIES DO NOT PROVIDE COVERAGE FOR EQUIPMENT INSTALLED IN YOUR AUTO, TRUCK OR MOBILE HOME. The HRIA program does, of course!

THE HRIA PROGRAM HAS A LOWER DEDUCTIBLE . . . JUST $50. Even if your equipment is covered on a limited basis on your homeowners policy, the savings you receive between your homeowners deductible (usually $250 or $500) and the plans low deductible probably will more than pay for the cost of the HRIA policy.

THE HOMEOWNERS COVERAGE THAT DOES APPLY TO YOUR RADIO AND COMPUTER EQUIPMENT IS USUALLY NOT "ALL RISK" COVERAGE. The typical homeowners policy insures your equipment against 17 specifically listed perils. If one of these perils destroys your equipment, there is coverage. On the other hand if something happens that is not on the list, there is no coverage. The HRIA policy has no lists at all. Your equipment is insured against "all risk" of direct physical loss, subject of course to a few exceptions. This even includes loss by flood or earthquake.

MECHANICAL BREAKDOWN AND ELECTRICAL INJURY COVERAGE IS JUST NOT AVAILABLE FROM A HOMEOWNERS POLICY. For a few extra dollars you can add this coverage to your HRIA policy. If your equipment simply stops working for some reason you have a covered claim. In other words . . . If you fry it, we'll buy it! (Note: Damage sustained while the equipment is being tuned or actually being worked on is not covered).

CREDIT CARD CONVENIENCE . . . You can pay for your HRIA policy with MasterCard or Visa.

EXPERT, KNOWLEDGEABLE CLAIMS SERVICE . . . The typical homeowners claims adjuster may not have the technical background and expertise to understand Ham Radio Equipment. This could prove to be a problem when it comes to settling your claim. The HRIA program is "Insurance for Hams by Hams." Our claims adjusters are licensed hams and will "Speak your language".