[TowerTalk] Insurance for Tower

[Steve Jones]

My tower is covered with State Farm as an "accessory structure" for 10% of
the house coverage.  No special rider required.

73,
Steve
N6SJ


-----Original Message-----
From: TowerTalk [mailto:towertalk-bounces at contesting.com] On Behalf Of Joe
Subich, W4TV
Sent: Tuesday, November 26, 2013 12:28 PM
To: towertalk at contesting.com
Subject: Re: [TowerTalk] Insurance for Tower


I suspect your insurance agent is misinformed ... *any* structure (and a
tower is a "structure") on a property is generally covered to 10% of the
policy limit as as "accessory structure".  This is similar to a free
standing garage, barn or storage shed.  Whether your insurance company will
write a *rider* to provide additional coverage for the tower and antennas is
a matter of company policy but if one has a house valued at/insured for
$150,000, 10% covers a good deal of damage to a typical amateur tower.

Your results may vary depending on state and insurance company.  Shop around
or consider the ARRL "all perils" policy for separate coverage on the ham
gear and antennas.

73,

    ... Joe, W4TV


On 11/26/2013 3:09 PM, Wayne Willenberg 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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