[TowerTalk] Tower insurance

Gene Smar ersmar at verizon.net
Wed Mar 25 13:23:30 PDT 2009


     I asked my insurance agent whether my new (at the time) tower needed a 
rider or if it was covered by my existing policy.  She told me in a letter 
it was already covered and I wouldn't need a rider and additional premiums. 
I now have a copy of that letter in my tower file.  FWIW.

73 de
Gene Smar  AD3F

----- Original Message ----- 
From: "Scott McClements" <kc2pih at gmail.com>
To: <kr5dx at yahoo.com>
Cc: "towertalk reflector" <towertalk at contesting.com>
Sent: Wednesday, March 25, 2009 3:37 PM
Subject: Re: [TowerTalk] Tower insurance

> There was a good article recently in QST on this subject. This article
> prompted me to get off my butt and follow up on this stuff, esp. since
> I just completed a tower installation.  As the article stated its your
> insurance agent's job to answer your questions - they take a cut of
> your payment so - why not make them do something to earn it. Without
> getting into details - you basically should ask them how your antenna
> structure is covered and to what amount - if you aren't happy then you
> might have to change you homeowners coverage or get a rider
> (additional specific coverage).  I doubt it necessary (the rider).
> Also as that QST article suggests - you should look into a Personal
> Liability Umbrella Policy. I ended up getting that too in addition to
> checking my insurance coverage on my tower.  -Scott, WU2X
> On Wed, Mar 25, 2009 at 4:25 PM, Andre Van Wyk KR5DX <kr5dx at yahoo.com> 
> wrote:
>> I just installed a new tower and would like it, together with antennas
>> etc, properly insured. I contact my broker and it seems they have little
>> knowledge of this type of insurance.
>> Any suggestions or names of insurance companies that is familiar with
>> Ham equipment / towers would be appreciated.
>> Contact me off the list if you so wish.
>> 73
>> de KR5DX
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