I got a call from Rural Wind and Electric, they say the container is out of customs and will be delivered on Monday to their office.
Early this week, I didn't want to get my hopes up, but it appeared that I might get a turbine soon. So I gave my insurance agent a call. This summer when I thought my turbine would be coming soon ;) I called my insurance company and it was only going to be a few dollars on to my policy to add an “appurtenant structure” to the policy.
This time, however, it occurred to me that the wind turbine is really on a separate piece of land so there might be an issue with putting it on my homeowners policy.
The agent called today and said it is a good thing that the turbine is not on the same land. If it were, they would have to cancel my policy. There name, so you can avoid them, is Peerless Insurance.
He said they could write a liability policy for the land, as its own plot. He said that as long as there is a chance (Very small chance) that we might get a check back from National Grid that it is commercial not personal. Also, we should put a fence around it to keep out unwanted visitors too. We had a fence, but took it down when they started constructing the foundation. I guess we’ll need to put that back up.
It would be really bad to pay for insurance and find out after an event that you were really not covered, but I don’t want to over pay either.
My installer says the All State will put it in a home owners policy. But it looks like I'll need a separate policy for my land. I'd like to get more than just liability too.
