[TowerTalk] Tower Insurance

[Pete Smith]

In my area, my agent (State Farm) defines anything on the property as 
long as it is associated with the lives of the people living there as an 
accessory structure.  After all, would you exclude a garage just because 
it was not physically connected.  Anyway, State Farm paid full 
replacement cost for a lightning claim on my tower 190 feet from the 
house a couple of years ago.  I'm sure there are state-to-state variations.

73, Pete N4ZR

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On 8/16/2010 4:14 PM, Alan NV8A wrote:
> On 08/16/10 04:01 pm, K7LXC at aol.com wrote:
>
>    
>>>    I will putting the TX-472 up in the next month , I am  renting so I do
>>>        
>> not have
>> actual homeowners insurance.
>>
>>      
>>>     Does anyone have any recommendations on insurance companies to
>>>        
>> investigate  ?
>>
>>       Your tower is either considered personal property  or an appurtenant
>> (auxiliary?) structure so generally either way you're  covered.
>>
>>       Ray Fallen, ND8L, an insurance agent, had an  excellent article on
>> insurance in QST several months ago. Start there.
>>      
> My insurance agent told me that the tower is considered an "accessory
> structure" -- same as "appurtenant (auxiliary?) structure???? -- IF it
> is "attached to" the building. The "attachment" may be nominal but
> cannot be merely the electrical connections.
>
> 73
>
> Alan NV8A
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