I absolutely agree with Steve: Full replacement insurance is the only
way to fly. The extra cost is nominal. I can't seem to find the
specific cost on my current policy, but I believe it was about $62
annually when I lived in NJ. I recently suffered a major crash of my
tower and quad during a sudden wind storm here. They covered the cost
of removal of the old tower and antenna and the purchase and
installation of replacements including labor, minus $1,000 deductible.
I don't believe the ARRL insurance comes anywhere close to that kind of
coverage.
73, Joe
K7LXC@aol.com wrote:
In a message dated 12/22/03 3:00:44 PM Pacific Standard Time, w9rpm@qth.com
writes:
Can anyone give me any experience they have had with the ARRL equipment,
tower and antenna insurance? I have been looking into getting it.
I've only had one experience with it. The W6GO/N6IG station had some wind
damage and some League insurance. As I recall, the damage claim is only
limited to the value of the hardware which you have to declare that when you apply
for the policy. So a major thing it leaves out is any labor cost for repairs.
Do you have homeowner's insurance? That should cover it already. Towers
are covered under 'accessory structures' (I think that's the term) or under
personal property. Either way you're covered.
You should have replacement value insurance or they'll depreciate
everything. You might check the limits too. K5RC had a whole bunch of wind damage but
the insurance company only paid a couple of thousand up to their limit. He
had to bite the bullet for much more than that so it pays to check.
Cheers,
Steve K7LXC
TOWER TECH -
Professional tower services for commercial and amateur
_______________________________________________
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_______________________________________________
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