[TowerTalk] Insurance for Tower

[Patrick Greenlee]

Roger, Living in a rural area and having barns and out buildings on property 
that used to be involved in agriculture is still not a farm in the eyes of 
the insurance folks.  If you are involved in agricultural production, even 
just leasing pasture for someone else to graze their stock or bale hay you 
are a farm and you can't be covered by homeowner insurance.  This is 
according to State Farm. It sucks, so says my agent and I agree.

There are various rates depending on the structure(s) in question.  A 4 
sided bld with concrete floor is lowest structure rate.  Next is 4 sided bld 
of standard construction with dirt floor.  The highest rate is for pole 
barns and the like (includes towers.)  If you get your agent to overlook 
your agricultural production activities, go with homeowner policy, and then 
say a bull runs over a trespassing kid.  Well you have no liability 
coverage.  Better to take the risk of the tower out of pocket.

I suggested that my tower had a concrete floor and was not built like a pole 
barn and the agent reminded me that pictures of the structure were required.

It is not often that I envy folks living in a hive and constrained by so 
many rules but this is one instance, exorbitant rates to insure a tower and 
or antenna.  Oh well, I'll just take a two mile hike around the periphery of 
the ranch to check the fences and note the nearest neighbor at 1/4 mile 
outside the fence, recall that I don't need a permit for anything I do or 
build except a septic system and somehow the perspective will come into 
better focus.

Patrick AF5CK

-----Original Message----- 
From: Roger (K8RI) on TT
Sent: Tuesday, November 26, 2013 8:57 PM
To: towertalk at contesting.com
Subject: Re: [TowerTalk] Insurance for Tower

On 11/26/2013 9:43 PM, Drax Felton wrote:
> I once asked my agent about this too and told it would be covered but then 
> the policy was promptly and  involuntarily cancelled because of it.
>
> Incognito is now my philosophy.

In Michigan, AFAIK most home owners policies cover that, up to 10% As I
had the 100', 45G with the array on top, I had a rider added, no problem.
Even on a farm, here we had home owners.

73,

Roger (K8RI)

>
>> On Nov 26, 2013, at 3:09 PM, Wayne Willenberg <wewill747 at gmail.com> 
>> 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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