Firearm Insurance

[SJP51]

Recently did an inventory of the "armory". Had no idea I had that many pistols, shotguns, rifles, and bows! On reasonable bluebook estimates it adds up to a lot more than I ever would have thought. One in particular my Dad left me is on the way pricey side.

So I'm looking at insurance.

Anybody had experience with Firearm insurance?

[Drycreek3189]

When you close that safe door, and they are in there unsupervised……….

[SaltwaterSlick]

I'll take my chances. Ain't no way I'm giving ANYONE a list of my guns/serial numbers! Over the years, I've attempted to get insurance coverage and the first thing they always asl for is a list with detials... Ain't happening.

[Artos]

Mike D mentioned a company that just asks for a total amount you want covered...I never did follow up

[Mike D]

I'll take my chances. Ain't no way I'm giving ANYONE a list of my guns/serial numbers! Over the years, I've attempted to get insurance coverage and the first thing they always asl for is a list with detials... Ain't happening.

Yer lookin in the wrong places Charlie. Eastern Insurance is who I normally use. They recently merged with another entity. My renewal is coming up. Will be interested to see if there are any changes.

https://www.thetruthaboutguns.com/gun-theft-insurance-4-top-options-plus-what-to-watch-out-for/

[kkp005]

Eastern insurance has a firearms policy. Just give them
the amount you want coverage on

[SaltwaterSlick]

Yer lookin in the wrong places Charlie. Eastern Insurance is who I normally use. They recently merged with another entity. My renewal is coming up. Will be interested to see if there are any changes.

https://www.thetruthaboutguns.com/gu...watch-out-for/

Mike, please keep us posted how your renewal coverage goes!

[Drycreek3189]

I have mine through the NRA, no serial numbers needed.

[Lampasas]

I have all of mine insured through Chubb on a separate itemized policy. Mainly would cover theft because my homeowners policy would cover them due to fire, flood, etc.

My agent basically said anything worth under $2,000 would not be worth insuring with the deductible etc.

[Mike D]

I have mine through the NRA, no serial numbers needed.

Do your homework on the NRA Insurance. They used to have very unfavorable reviews. That’s why I didn’t use them when I got my policies.

[Mike D]

I have all of mine insured through Chubb on a separate itemized policy. Mainly would cover theft because my homeowners policy would cover them due to fire, flood, etc.

My agent basically said anything worth under $2,000 would not be worth insuring with the deductible etc.

What homeowner’s insurance do you have? Most of them have very limited coverage on firearms.

[Lampasas]

I have Chubb for home insurance also. My personal property limit covers all of them.

[pontiac]

You should verify that your Homeowners policy does not have a coverage limitation (as low as $2000 total on all firearms) as this has become pretty standard.

I think that most insurers offer increased limits (maybe $10,000) with no need to provide an inventory or serial numbers.

[CWendling]

ive had firearms or valuable personal property riders with both USAA and now Safeco

[Quackerbox]

As someone who had dealt with homeowners on a personal level and along with my brother during house fires........never trust your homeowners on major losses and wanting replacement values on anything but the home itself.