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Anyone have their gun collection insured? Who can appraise guns?

Discussion in 'General Firearms Forum' started by WarEagle32, Aug 23, 2012.


  1. WarEagle32

    WarEagle32
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    Joined:
    Mar 15, 2011
    2,536
    46
    Location:
    Alabama
    I am looking at getting my gun collection insured. I am renting a home right now and renters insurance only covers about 1000 bucks worth of guns if they were stolen. I have about 12-15K total in my gun collection. So I have talked to 2 different insurance carriers who each told me that I would need them appraised to do a policy. Any serious info besides "get a good safe" will be greatly appreciated because they are my favorite possessions as most of you can relate. I have a good safe but you never know what all could happen. Thanks alot guys!
     

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    #1 WarEagle32, Aug 23, 2012
    Last edited: Aug 23, 2012
  2. Keyhole

    Keyhole
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    Joined:
    Dec 28, 2005
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    Location:
    Houston, TX
    I just insured all of mine with my local State Farm agent. I had to provide pictures, serial numbers, dates of purchase, and replacement value (no appraisal). This even included two NFA items. Very easy.
     

  3. WarEagle32

    WarEagle32
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    Joined:
    Mar 15, 2011
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    Location:
    Alabama
    I have all that but dates of purchase.
     
  4. Rancher

    Rancher
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    Joined:
    Jun 3, 2003
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    Location:
    SW Missouri
    Im with American Family. All they needed was any official looking piece of paper from any gun shop with a value listed of each item. I went to a local pawn shop that I do transfers with and he said he bet I had a better idea of the value than him and so I just listed the firearms on his stationary along with the value of each and he signed it. Then provided my agent with a photo's of each gun and the appraisal. Pretty simple.

    Ammo was considered personel property and is insured as such. These days got a LOT of ammo around!

    Rancher
     
  5. Keyhole

    Keyhole
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    Joined:
    Dec 28, 2005
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    Location:
    Houston, TX
    My dates of purchase were month/year estimates, except for the NFAs.
     
  6. deadmanglocking

    deadmanglocking
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    Joined:
    May 16, 2012
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    Nationwide insures mine under the home insurance. I think they cover up to $5,000 without appraisals.


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  7. roger123

    roger123
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    Joined:
    Feb 23, 2012
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    Location:
    VA Beach, VA
    I just called about this yesterday, with USAA they are covered as personal propery up to your limit.

    I asked about a rider and he gave me prices for a limit I asked for, he didn't mention needing an appraisal.
     
    #7 roger123, Aug 23, 2012
    Last edited: Aug 23, 2012
  8. roguedaddy

    roguedaddy
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    Joined:
    Dec 7, 2008
    312
    4
    Location:
    Glocktropica
    We have USAA, love them! Only problem I see is that any guns someone bought/traded for face to face are now on a list so everyone/anyone knows you have them.


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  9. ChuteTheMall

    ChuteTheMall
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    HildabeastHater

    Joined:
    Aug 20, 2000
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    Location:
    Anti-Obamaville
    You don't have to list every gun, such as the FTF guns that were lost during the canoe trip.
    :drowning:
     
  10. michael e

    michael e
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    Joined:
    Nov 20, 2010
    2,811
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    No info was give from me, told them what I needed in coverage and told them I would provide serial numbers and photos receipts if something happened. Was good enought for them.
     
  11. mobilecommand

    mobilecommand
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    Joined:
    Jun 27, 2010
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    I got a rider for all my guns since my amount well exceeded what i could get on renters insurance. i had to provide a description and serial number and as long as each gun was not over 3500 each that was it .. Each gun over 3500 i would have to get it appraised.

    Its for replacement value and i listed everything from custom work, sights etc.

    i think it only costs me 10 ish a month and for the piece of mind with worth it.

    oh yea i use state farm.
     
  12. chemcmndr

    chemcmndr
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    Joined:
    Aug 23, 2008
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    Location:
    Beavercreek, OH
    I get a "temporary" policy for my firearms when I travel with them via airlines. My State Farm agent only requires the make, model, serial number, and value I want them insured for. I never had to get them appraised.