I prefer to use my own radio for work (Firefighter/Paramedic) as I work per diem for other departments in addition to my full time department. I have an APX8000 and would like to find a way to insure it against accidental damage. Does anyone know of a good insurance option? I don’t want to use a homeowner insurance add-on as I don’t want to lose my homeowners insurance should I have to make a claim for the radio. Thank you.
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If you are a member of the American Radio Relay League (ARRL), you can opt for a very reasonable insurance policy for a single item, your entire ham shack contents including computers, or mobile installation. I've had it for years and only had to use it once.
For info, click here: https://www.arrlinsurance.com/
For info, click here: https://www.arrlinsurance.com/
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Just as with any Insurance make sure they know you are using a $8000 Radio and you are taking it in burning buildings. I say this because most Insurance Policies will not pay LOD. Their are very few in the US that will pay a LOD claim.
MTS2000des
5B2_BEE00 Czar
Except using something for public safety/life safety and not hobby use in an IDLH setting (not at your house or "shack") for work and not play may be a problem. Hard to justify an $8000 radio intended and used for work a part of one's amateur radio station, nevermind the part about explaining to an adjuster or certifying on a loss form that you carried insured item into a burning structure intentionally. CLAIM DENIED.
Wow, you bought an 8000 pretty quick, huh? And you're already asking how easy it would be to make an insurance claim on it? 
+1 for VFIS
They’ve covered everything from personal radios, pagers, vehicle damage, etc for members of our department for incidents that occurred while they were performing duties related to the department.
I carry a radio for my full time job outside the fire service. They assured us they would covered the cost if it was damaged while doing something related to the FD.
They’ve covered everything from personal radios, pagers, vehicle damage, etc for members of our department for incidents that occurred while they were performing duties related to the department.
I carry a radio for my full time job outside the fire service. They assured us they would covered the cost if it was damaged while doing something related to the FD.
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And you got that in writing with the Supervisors Signature?
Found a good deal. Now that I have it, I want to find coverage for it before I start using it in the field.Wow, you bought an 8000 pretty quick, huh? And you're already asking how easy it would be to make an insurance claim on it?
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I know of 2 Insurance companies that will cover LODD in Life Insurance also your home Insurance will not cover a loss like you willing putting your radio in danger. Most people have no idea that your Insurance Company will not cover you when you are in the active military competing in a speed event skydiving or willingly go into a burning building.
Unfortunately he stated he didn’t want to use homeowners insurance.
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VFIS has covered personally owned radios pagers and other gear several times in departments I was affiliated with including a personally owned pager of mine damaged on an ems call. Claim process was easy went through department contact with them had check in few weeks.
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As posted above that is 1 of 2 Companies that will cover your equipment.
And the second one? Been having trouble finding gents that sell VFIS policies.
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VFIS adds are all over Fire Publications along with their 800 Phone Number
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