Insurance

[PrairieDogPete]

Just curious as to what others have for firearms specific insurance besides NRA basic coverage. Any pro's and cons? Things to watch out for within policies?

[Dr. Zook]

Check out Eastern Insurance ... I'll  pm you contact information.

Edited January 18 by Dr. Zook

[Widder, SASS #59054]

I have USAA insurance for home, vehicle..... and a rider policy for just my guns.

It was an added 'very little extra' expense into my policy.

 

Some insurance companies have that service.

 

..........Widder

 

[Blackwater 53393]

My homeowner’s policy has a rider to cover my firearms and related equipment.

 

Major company, and it’s inexpensive.

[Garrison Joe, SASS #60708]

Gun and Trophy has a good reputation, and I use them.   Search for that by the name I just stated.  Used to rely on a gun rider on my home insurance.  Found many folks got a poor settlement from big insurance companies.  One thing I especially like about G&T is full coverage on any guns while you are traveling! 

 

Anything to know?  Check references with other gun owners!

G&T does not require photos or serials for under $75K of covered valuation.

 

good luck, GJ

Edited January 17 by Garrison Joe, SASS #60708

[Dred Bob]

Eastern Insurance.  Very reasonable and doesn't require any serial #'s or inventory on file.   Blanket rider for a maximum covered $$ amount and I think $100 deductible on a claim.  They can also cover reloading equipment and ammo if you want riders for that.  A fraction of the cost my home owner underwriter wanted.  Full disclosure, I have not actually tried to collect on any claims yet but I've been using them more than a decade.  It looks like Dr Zook is already providing info but if you need it PM me.

 

so far the only issue is that for some reason since I've joined SASS I've had to substantially increase my coverage total!   I think I need to bump it again next renewal.  

Edited January 17 by Dred Bob

[T.K.]

To get insurance, I was told that I needed to photograph each gun and supply the serial numbers. I asked them if that information was " confidential" i.e. would they supply that info to law enforcement or goverment agencies if requested? They said they HAVE TO by law.

I said NEVER MIND! 

[Hoss]

I have collectibles Insurance Services. 
no serial #s required. 60K coverage for 500/year. 

[Eyesa Horg]

16 minutes ago, T.K. said:

To get insurance, I was told that I needed to photograph each gun and supply the serial numbers. I asked them if that information was " confidential" i.e. would they supply that info to law enforcement or goverment agencies if requested? They said they HAVE TO by law.

I said NEVER MIND! 

That's the response I got years ago from USAA. I'll have to look into it again.

[Dr. Zook]

@Dred Bob

Your 2nd paragraph is definitely true...

[Texas Maverick]

I have my home owners covering my firearms. They didn't want a list or pictures. Said they didn't want anything registered with them. Just needed a value that I wanted them covered for.

 

TM

[Shepherd Book]

10 hours ago, Widder, SASS #59054 said:

I have USAA insurance for home, vehicle..... and a rider policy for just my guns.

It was an added 'very little extra' expense into my policy.

 

Some insurance companies have that service.

 

..........Widder

 

Same.   Use Joseph Chiarello Agency in NJ for firearm instructor insurance, living in the State of Despair...NYS...SB

[PrairieDogPete]

Thank you all for the info!!

[Geronimo Jim SASS # 21775]

I have my guns in gun safes.   They are covered for fire by main policy.  Theft has a limit of a couple of thousand.

I priced it and just not worth it to me since my main worry is fire and it is covered by contents of your homeowner

policy.  Read you policy.