The 10% structure coverage is usually on a standard homeowners policy, you
can increase this limit if you wish. I have not seen a policy specifically
state ham radio tower, but this should not be necessary. I find it hard to
believe that your structure is not covered to some degree.
John KK9A
To:towertalk@contesting.com
Subject:Re: [TowerTalk] Insurance for Tower
From:"Joe Subich, W4TV" <lists@subich.com>
Date:Tue, 26 Nov 2013 15:28:12 -0500
List-post:<towertalk@contesting.com">mailto:towertalk@contesting.com>
I suspect your insurance agent is misinformed ... *any* structure (and
a tower is a "structure") on a property is generally covered to 10% of
the policy limit as as "accessory structure". This is similar to a
free standing garage, barn or storage shed. Whether your insurance
company will write a *rider* to provide additional coverage for the
tower and antennas is a matter of company policy but if one has a house
valued at/insured for $150,000, 10% covers a good deal of damage to a
typical amateur tower.
Your results may vary depending on state and insurance company. Shop
around or consider the ARRL "all perils" policy for separate coverage
on the ham gear and antennas.
73,
... Joe, W4TV
On 11/26/2013 3:09 PM, Wayne Willenberg wrote:
Now that I have my tower nearly completed, I asked my homeowner's insurance
agent if I could obtain coverage in case it is damaged. The simple answer
was "no".
Is my insurance carrier being unreasonable or is it generally true you
can't get insurance coverage for a tower that is not attached to a house?
Thanks for your help.
Wayne, KK6BT
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