Re: [TowerTalk] insurance

["Alan C. Zack" <k7acz@cox.net>]

Is the Insurance company policies offering the ARRL policies 
considered a Homeowners policy?  Seems it is more specialized as to 
ham radio gear INCLUDING towers and antennas.  Reason I ask is the 
company offering the ARRL coverage also is the company that I use for 
my TRICARE military health insurance supplement.

Jim Jarvis wrote:

> In response to the thread about towers being covered....
>
> The "standard"  HO-3 form policy covers accessory structures.
> These are typically thought to be garages and sheds, but 
> include any accessory structure which required a building permit.
> Thus, 'attachment' is not required.  
>
> It has been reported (QST, among others) that some firms are
> specifically EXCLUDING antennas and towers.  
>
> It is true that insurance is regulated at the state level, and
> state-to-state differences are to be expected.   However, the
> HO3 form was common to NJ, VT and MD, where I've lived, and most
> agents and firms nationwide will acknowledge it, and quote it.
>
> This is contract law, however, and you MUST read the fine print,
> to know whether you're ok or not.
>
> BUT THIS IS A DIGRESSION FROM MY MAIN POINTS:
>
> 1)  You may find your insurance less expensive, if the ARRL policy
> covers the antennas, and you can exclude them from your homeowners.
>
> 2)  You MUST be careful what you claim.  I have a client in VA, who had 
> two successive claims for hail damage two years ago.  Travellers paid,
> then cancelled his insurance.  
>
> n2ea
> jimjarvis@ieee.org 


--
__________________________________________________________________________ 

Alan Zack
Amateur Radio Station K7ACZ
Las Vegas, Nevada, USA
Quality Engineer, The Boeing Company, Retired
Aviation Chief Warrant Officer, U.S. Coast Guard, Retired
U.S. Coast Guard, Always Ready, Always There
Every hour, Every day, Around the Clock and Around the World
SEMPER PARATUS
http://www.gocoastguard.com
http://www.uscg.mil/d14/units/asbp/uscgasbp/
DEPARTMENT OF HOMELAND SECURITY

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