[TowerTalk] Tower insurance

[Mike Bragassa]

I was told by my Allstate agent that if I want it covered by my homeowners 
policy any claims will be paid as depreciated value; not replacement value. 
He recommended a separate policy ("rider") at replacement value. Much like 
you may do with a expensive gun collection.
I don't recall discussing the issue of ' attached' to dwelling or 
'separate'. By a rider, I am sure that is a non-issue.
Mike, K5UO