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Old 03-09-2011, 12:05 AM   #1
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Default Firearm Insurance

What do you guys do as far as insurace goes on your gun collections? It does not take but one or two guns to exhaust most of your standard limits on a homeowner's policy. Do ya'll have riders on your homeowner's? Insure through a 3rd party? Insure through the NRA? Just trying to get some options, thoughts, ideas, suggestions, etc ...

Thanks for the help.

Last edited by joebuck; 03-09-2011 at 12:17 AM.
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Old 03-09-2011, 01:14 AM   #2
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Join the NRA. They provide you with 1000 free insurance which helped me once and you can purchase extra coverage for decent affordable fee
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Old 03-09-2011, 01:58 AM   #3
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Homeowner insurance won't cover your firearms? I'll be honest, I don't really have any experience with the subject but I would think that if your homeowners/renters insurance didn't cover it then maybe you could upgrade your policy to ensure all your valuable are covered? Does anyone have any experience with insuring valuable items such as firearms? I'm curious now. Thanks in advance!
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Old 03-09-2011, 03:30 AM   #4
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I checked on some a few yrs ago,agent told me I had to have all of them appraised & policy would be priced accordingly.I decided to buy 2 gun safes instead.This was through ALFA insurance & if I remember right,if $ amount of guns was high,I would have to get an underwriter.

Last edited by CH-47 DR.; 03-09-2011 at 03:32 AM. Reason: forgot to post insurance company name
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Old 03-09-2011, 07:12 AM   #5
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Gun insurance is rediculous what it cost. PM sent Joe
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Old 03-09-2011, 07:55 AM   #6
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Your contents portion of your homeowners policy covers gun if you list them with you agent. It will cover them regardless of where they are stolen from.
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Old 03-09-2011, 08:45 AM   #7
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After Hurricane Ivan, my loss adjuster told me that I didn't have a gun "collection" because if I did I was limited to $500, he told me to list them as individual losses, and I was covered for all 20+ of them, even the full auto's, this was State Farm.

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Old 03-09-2011, 08:59 AM   #8
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Should be covered under your home owners policy. Check to see if a umbrella policy will cover above and beyond. Without uninsured motorist its probably $100-200/yr for 1million in coverage above and beyond your current coverage. Although I do recommend getting the unisured motorist since SRC and EC have some of the highest UIM % in the state.
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Old 03-09-2011, 09:45 AM   #9
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Quote:
Originally Posted by CH-47 DR. View Post
I checked on some a few yrs ago,agent told me I had to have all of them appraised & policy would be priced accordingly.I decided to buy 2 gun safes instead.This was through ALFA insurance & if I remember right,if $ amount of guns was high,I would have to get an underwriter.
My insurance was the same....had to get them appraised every year, then it would cost me 10.00 for every 1,000.00 in value....so I just bought some safes....not that makes them safe, but it will take some doing to get to them....I can get in a gun safe in 15min.....and if they get past my boy good luck
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Old 03-09-2011, 12:50 PM   #10
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Quote:
Originally Posted by Skippy View Post
After Hurricane Ivan, my loss adjuster told me that I didn't have a gun "collection" because if I did I was limited to $500, he told me to list them as individual losses, and I was covered for all 20+ of them, even the full auto's, this was State Farm.

Skippy
Oh man you loss transferable MGs? Dang that sucks. Was there no way they could have been repaired at all to keep them on the registry?
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