All this talk about insurance and coverages got me interested in
looking into my policy. I've noticed that, not until recently,
no one has mentioned their insurance companies names.
I have American Family. I pulled out my policy last night and read
through the many pages. They specifically DO NOT cover towers and
antennas. It is not covered as a structure, as it is specifically
stated that they do not cover "outdoor antennas including their lead-in
wiring, accessories, masts and towers" in the dwelling/structures
section. They also include this same exclusion for coverages under
personal property.
I have their best policy, the "Gold-Star". It adds additional coverage,
but even this limits coverage of outdoor antennas to $1000.
If you have American Family, you specifically need to add additional
coverage, that you have a stated value, and you pay so much per $1000
coverage. I have a quote coming, but I defintitely do not think it's
on the order of a dollar per $1000 as one gentleman suggested. In
order to be adaquately covered, I would probably first need a quote
from LXC just so that I'm insuring myself adaquately.
I originally went with American Family because they are very well known
in these parts and their policy was half the cost of State Farm. I've
already saved over $1000 in the 4 years I've lived in this house, but
on the other hand, $1000 is a small amount as compared to what it
would cost to replace my 100' Rohn 45, stacked KT-34XAs and 2el 40.
I am interested in finding out who believes they have full
tower/antenna coverage and who their company is. Direct replies please.
Thanks,
Chad WE9V
________________________________________________________________________
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