My insurance gal just called me again. The remotes and chargers WILL fall under my homeowner's ins. policy's "personal property" section and my deductible will apply. They cannot put the remotes/chargers on a rider, or under a separate policy, as in insuring one's expensive jewelry. So looks like no added cost there, which is good.

What's funny is that she said she was told that if my dog chews them, it's not covered but if the neighbor's dog chews them it IS covered. She said that if it's an accidental fall then it is covered, but if I get mad and throw it and damage it, it is NOT covered. So, I just had to ask her....what if I get mad and throw it at the neighbor's dog?? She laughed and said it would not be covered.

They will cover if it damaged (and if it falls in the loo...yeah ) but not if it's a malfunction problem. That, they say, is to be covered by Bost. Scientific. So I will have to seriously consider buying Bost. Scientific's extended warranty after the first year's free warranty runs out.

Hope this helps.