Tagging this. Mine are covered under homeowners policy, but it's not cheap or good coverage.
I would get another insurance company.Problem is our home owner's policy requires me to itemize, photograph, and give the list to them.
It depends on the company and adjuster.What do you guys do for insurance and if you ever filed a claim how was the insurance company to deal with?
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.
Oh, OK.is not the same as floater insurance which I believe is what OP would want.
What company? Thanks.I bought other coverage that covers far more contingencies which my homeowners doesn't
It costs a dollar per every hundred dollars that I want covered. If I remember correctly there is no deductible.