Fw: [TowerTalk] Tower Insurance

[AA6DX]

My mobile insurance covers over $3k worth of radios .. very reasonable cost,
so I can sleep at night.. . no garage.. so on the street.. but boy oh boy,
you better have the proof!  Mark----- 
Original Message ----- 
From: "Tower (K8RI)" <tower at rogerhalstead.com>
To: "AA6DX" <aa6dx at pacbell.net>; <TOWERTALK at contesting.com>
Sent: Thursday, April 29, 2004 5:04 PM
Subject: Re: [TowerTalk] Tower Insurance


>
>
>
> >OK .. now .. next subject.  ARRL insurance.  Has anybody had RECENT
> experience with the >ARRL policies?  In the way past, a lot hams were less
> than thrilled with their attempting to get
>
> "As I recall", originally they didn't cover towers and antennas, but do
now.
> I use them but have had no claims.
>
> >satisfaction from the ARRL insurance companies...   BUT have heard
nothing
> negative lately!  >The ham who brought up the fact that if you soak your
> home insurance company for >tower/antenna/rig losses, it could cost you
the
> far more important coverage of your house --
>
> It depends on your insurrance company, but you have to seperate these out
> into categories.
> Our current insurrance (now Auto owners) treats the tower like another out
> structure or out building such as my shop or an "unattached" garage. So
for
> no additional cost it's 10% of the house. (One reason for not attaching
the
> tower to the house in this case)  Considering the value of the system, we
> had a rider added so it's a small additional cost.  Don't forget when it
> comes to tower and antennas the labor involved/required to put back up, or
> dismantle and clean up one that has been blown over, or vandalized.
>
> Rig losses?  Again I'd guess it depends, but they are just like any other
> "House contents" and ours covers "replacement value". (NOTE I understand
> some companies will not cover electronic appliances) If I have a rig
blasted
> by lightening they replace it minus the deductable.  It has no effect on
> other things in the home later on.
>
> >really brought something to mind!  I had never thought of that!  BUT ..
so
> very true!  I live in >an area (don't we all!) quite susceptible to crime
..
> hmmmmmmm .. if I lost $10K worth of >electronics and tools, my insurance
> company would drop me in a New York minute!  And..
>
> Here it's rare and I seriously doubt you'd be dropped.
>
> >they are hard to find here in earthquake territory!  What is the latest
on
> the ARRL insurance?  >My mobile is covered, according to my agent
(Farmers)
> just fine... w/rider.
>
> I didn't need a rider for the mobile rig which is an 50 watt FM duobander
> (TM-D700), but were I to install an HF rig that was worth several thousand
> then I'd need a rider.
>
> I carry two Nikons in the car with a set of lenses.  They are covered by
my
> home owners insurance "as long as I'm not shooting an assignment". If I'm
> out just looking for some good shots they are covered.  My HTs are covered
> as well.
>
> >Anybody got the scoop?
> Mark   AA6DX   Far Northern California
>
> There is probably a rather wide range of differences between companies and
> even with the same company and different geographical areas.
>
> Bout the only thing you can do is visit the different agencies and ask.
>
> Good Luck,
>
> Roger Halstead (K8RI, EN73 & ARRL Life Member)
> N833R, World's Oldest Debonair (S# CD-2)
> www.rogerhalstead.com
>
>
> _______________________________________________
>
> See: http://www.mscomputer.com  for "Self Supporting Towers", "Wireless
> Weather Stations", and lot's more.  Call Toll Free, 1-800-333-9041 with
any
> questions and ask for Sherman, W2FLA.
>
> _______________________________________________
> TowerTalk mailing list
> TowerTalk at contesting.com
> http://lists.contesting.com/mailman/listinfo/towertalk
>
>
> _______________________________________________
>
> See: http://www.mscomputer.com  for "Self Supporting Towers", "Wireless
Weather Stations", and lot's more.  Call Toll Free, 1-800-333-9041 with any
questions and ask for Sherman, W2FLA.
>
> _______________________________________________
> TowerTalk mailing list
> TowerTalk at contesting.com
> http://lists.contesting.com/mailman/listinfo/towertalk
>