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Discussion Starter · #1 ·
Since losing all my guns in that boating accident years ago, I thought that any new ones should be covered by insurance. Problem is our home owner's policy requires me to itemize, photograph, and give the list to them. Not really sure I want to do that. Plus my home owner's deductible applies, which means if only four or five were stolen, it wouldn't even be worth claiming. NRA has coverage I think, but the last time I looked, it was very expensive.

What do you guys do for insurance and if you ever filed a claim how was the insurance company to deal with?

Thanks.
 

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Tagging this. Mine are covered under homeowners policy, but it's not cheap or good coverage.
 

· M62/76
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I agree with duffle- they'll need to know specs on what they're covering. My advice...invest in a good safe.
 

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Problem is our home owner's policy requires me to itemize, photograph, and give the list to them.
I would get another insurance company.


Over the years I've had a number of insurance companies.
Been with Allstate for some years now.

I also had my gun shop burned down in 1995.
Lost thousands of dollars in gun stuff, like reloading presses, powder, primers, thousands of rounds of ammo and seven guns.
EVERYTHING was paid for at full replacement value. They even bought me a new shop that was WAY nicer than the one that burned.

At NO TIME, before or after the fire, or with any insurance company, have I ever been asked to supply any info on my guns and they have been fully covered, at full replacement value, under the "personal property" portion of the insurance.

One agent said,
If I have a unusually expensive gun (guns) I should keep a record of them, including pictures.
Which I do anyhow with all the guns, etc.
Take pictures of EVERYTHING and I mean EVERYTHING.


Just for the heck of it, last year I made local Allstate agent check again about the gun and gun stuff coverage.
The answer was,
It's all fully covered, at replacement cost, up to the limit of the personal property coverage.

The insurance company has no idea if I have one gun or two hundred.
 

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What do you guys do for insurance and if you ever filed a claim how was the insurance company to deal with?
It depends on the company and adjuster.

When my shop burned the lady adjuster was terrific. She accepted everything I said (I don't lie). She even authorized a over $5,000 Morgan building to replace the few hundred dollar place that burned down.
She said,
First thing, we have to get you another building, and she did.

She was also the adjuster when my place was tore up by storms, twice.
She couldn't do enough for us.

I said something about her being so nice and co-operative.
She said, You pay the company for coverage, so why shouldn't we live up to the contract.


Later with a different company when my barn roof was badly damaged in a storm, the adjust kept giving me a run around.
Finally, when he wanted to send out still another contractor to look at the roof, (all the contractors were his people, not mine), I told him,
Hell No. I've screwed with you long enough. The only people you are going to send out is the crew to replace the roof.
They started on the roof two days later. :)


.
 

· NRA Life Member
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I went with the NRA insurance and then bought the extra coverage for what I owned above the limit.
 

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I would get another insurance company.


Over the years I've had a number of insurance companies.
Been with Allstate for some years now.

I also had my gun shop burned down in 1995.
Lost thousands of dollars in gun stuff, like reloading presses, powder, primers, thousands of rounds of ammo and seven guns.
EVERYTHING was paid for at full replacement value. They even bought me a new shop that was WAY nicer than the one that burned.

At NO TIME, before or after the fire, or with any insurance company, have I ever been asked to supply any info on my guns and they have been fully covered, at full replacement value, under the "personal property" portion of the insurance.

One agent said,
If I have a unusually expensive gun (guns) I should keep a record of them, including pictures.
Which I do anyhow with all the guns, etc.
Take pictures of EVERYTHING and I mean EVERYTHING.


Just for the heck of it, last year I made local Allstate agent check again about the gun and gun stuff coverage.
The answer was,
It's all fully covered, at replacement cost, up to the limit of the personal property coverage.

The insurance company has no idea if I have one gun or two hundred.

Having something insured under personal property is not the same as floater insurance which I believe is what OP would want.
 

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Discussion Starter · #13 ·
Good thoughts so far. The issue I have is the "sporting goods" rider I pay for only covers up to $7000 on firearms and accessories. I can individually insure any firearm I want and as many as I want for additional premiums, but they need all the info. The loss coverage in that case is so good that if I lose the gun in the woods, or forget where I put it (yes forgetfulness is covered), I get a replacement. It's very pricey and they get the list. Hypothetically speaking, some guns might be old enough to never have had a paper trail, I'm not interested in starting one now. I don't trust our government - at all. As soon as something is created in the digital world, someone, somewhere, and somehow can access it.

Have a great safe, but even something like having my truck robbed while I'm hunting is cause for concern. Bring an extra rifle or two, some handguns, ammo, spotting scopes, binoculars, etc. and it's super easy to accumulate $10,000 in goods sitting under the back seat. Subtract your deductible and there's not much left. It's a big loss.
 

· Farmer, House Sitter and Cook
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My ALFA homeowners automatically policy covers the first $2,000 for firearms lost from my home due to fire, theft, disaster, etc. For an additional $9 (yes, nine dollars) my guns are covered for the above types of losses up to a total of $5,000 after the deductible. For ALFA to cover all my firearms it was going to cost me about $425 annually with a homeowners deductible first and only the guns are covered, and only under our homeowners clauses and limitations.

I bought other coverage that covers far more contingencies which my homeowners doesn't (even scopes/optics and holsters and other accessories) and such, plus the loss can be from theft/fire/disaster away from home, or stupidly leaving a gun at a shooting range inadvertently, or coming up lost from my patrol car due to outside tampering or break in, or if my stuff is lost in a tragic boating accident. Try claiming that on most homeowners policies.

I do not have to give prior details of any firearms that I am insuring, or give serial numbers of my guns or multiple Aimpoints, or provide pictures.

It costs a dollar per every hundred dollars that I want covered. If I remember correctly there is no deductible.
 

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Give Jack a call at historicfirearms.com , tell him Rick sent you .

The application was almost hassle free . The only hassle I had was getting to a fax machine . I have not made a claim , so I can't speak about the claim service .
As a NRA member you can get a 40,000 dollar policy for $126 dollars . Jack is also a gun guy , I did not feel like I was talking to a insurance salesman .
 

· Premium Member
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I believe in a good safe. For all but the worst fires and professional thieves, you are pretty well protected (some safes have warranties for fire, as well).

As for insurance, I did not tell my insurer full details on my guns (they didn't ask, and I answered all questions completely and honestly). The reason is that I have had prior issues with policy changes and their interpretation of "risk" (unless you want to agitate me, do not bring up the diving board on my pool, and the person the diving board company sent out with a saw offering to "cut it off to come into compliance with new pool insurance policies about diving boards" when trying to do a repair... yeah... found a way through it, but it was really nonsensical and ugly!).

I do keep photo logs of guns, serial numbers, original receipts, etc. (all on computer, in my safe, in an off-site deposit box, and also some details hosted on a secure cloud account).

I haven't done anything beyond those measures, and I probably SHOULD be more proactive in sorting this all out, so I am enjoying reading others' experiences and approaches.
 

· Right wing nut
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My Amica homeowners caps at about $2,000 or so for firearms and won't write a rider for more. I'm in the market for firearms insurance as well. I'm considering changing home insurance companies to someone that will cover it. Years ago Safeco gave me a cheap rider and only wanted a list of guns and serial numbers.
 

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I was correct.

Most personal prop is going to be protected for around $2500 on firearms, holsters, ammunition, etc.

You need to schedule your firearms under a Floater/Inland Marine policy in order to increase your coverage.
 
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