The typical homeowner's and for that matter, automobile policy provide no coverage for radios installed in your car, other than the factory equipment. In other cases, the answer is maybe. Some homeowner's policies are broad enough to cover losses to towers and antennas, but others aren't. To verify coverage, make a list of your questions and talk to your insurance agent. Let's talk about deductibles.
People are always interested in the amount of their deductible.
You might ask why insurance companies don't sell policies without deductibles. There are lots of reasons but a couple of the most prominent are that a no deductible policy would be more expensive than the average person is willing to pay and also, the cost of adjusting all the little claims would add huge amounts of overhead to the insurance company, which would get passed along to you, the insurance buyer. If you think that your present insurance may not be meeting your needs, consider a specific Ham Equipment policy. The policy is designed to fill in the gaps left by homeowner's and automobile policies. Also, a specific Radio Equipment policy will most likely have a much lower deductible than you homeowner's.