I think what WA9SVD said above is the biggest benefit of ARRL insurance, assuming that it is indeed primary. Not having to file a claim with homeowners insurance is a big benefit. I've heard (through reliable sources) that in at least some states, if you file 2 claims against your homeowners insurance, your home becomes ineligible for insurance, even for a different owner. It was a big enough problem that real estate agents were putting in exit clauses into sale agreements, stating that if a home was uninsurable due to past claims history, then the sale can be terminated without repercussion. I know I had to provide proof of claim history when I sold my house a few years back. Being able to use insurance that doesn't hit your CLUE report is a big advantage of ARRL insurance.