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post #1 of 8 (permalink) Old 03-16-2014, 05:57 PM Thread Starter
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Gun Insurance

How many of you guys have extra insurance on your collections. I got curious the other day and called my agent. He told me in the case of fire all of my guns are covered because I have replacement value on my homeowners policy. However, he said in the case of theft, I am only covered for $2500.

Does anyone recomend a company for only my guns and what do you pay for how much coverage?
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post #2 of 8 (permalink) Old 03-16-2014, 06:03 PM
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Re: Gun Insurance

If you are an NRA member they offer a policy over and above the $25000.00 they give you with your membership
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post #3 of 8 (permalink) Old 03-16-2014, 06:33 PM
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Re: Gun Insurance

I doubt you'll find any policy coverage better than Eastern Ins. http://www.historicfirearms.com/?page_id=10 If you have a safe, their minimum policy ($25,000 or $35,000?) starts around $120.00 per year. They do not require scheduling of any firearm unless it is over $10,000 in value.
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post #4 of 8 (permalink) Old 03-16-2014, 07:13 PM
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Re: Gun Insurance

Never had the experience myself but my brother had his stolen and had a hard time convincing the insurance company that he had them in the first place. Was advised its a good idea to photograph all your guns and record the serial numbers to be able to provide proof that you did have what you claim.

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post #5 of 8 (permalink) Old 03-16-2014, 09:11 PM
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Re: Gun Insurance

Quote:
Originally Posted by kdvarmint
Was advised its a good idea to photograph all your guns and record the serial numbers to be able to provide proof that you did have what you claim.
That's good advice. I've been in the process of doing that myself.
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post #6 of 8 (permalink) Old 03-17-2014, 01:19 AM
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Re: Gun Insurance

I will be curious to see the responses here. My father and I checked into gun insurance through his home owners policy and they wanted about $600 a year for $20,000 coverage.

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post #7 of 8 (permalink) Old 03-17-2014, 01:22 AM
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Re: Gun Insurance

Have you dealt with them at all. I noticed their website seems to be geared toward collectors, so I was just curious. The prices you listed seemed very good compared to others I have seen.

Quote:
Originally Posted by Marc Ret
I doubt you'll find any policy coverage better than Eastern Ins. http://www.historicfirearms.com/?page_id=10 If you have a safe, their minimum policy ($25,000 or $35,000?) starts around $120.00 per year. They do not require scheduling of any firearm unless it is over $10,000 in value.

Mathews Z7
Ten Point Stealth XLT
Remington 760, 700
Taurus Ragging Bull
CVA Optima
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post #8 of 8 (permalink) Old 03-17-2014, 03:52 PM
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Re: Gun Insurance

I'm an insurance agent.Guns are covered for normal perils like fire but there is a limit(usually 2500) for theft.You can schedule them on individually or put a blanket coverage on them.With a blanket coverage they'll be a maximum limit per firearm and a total amount.For example you can increase coverage up to 15000 with a single limit of 3000 per gun for about $30/yr.That doesn't cover them if you simply misplace them or damage them and yes,people do misplace them lol.If you schedule each individual gun,that covers them for more things like damage and simply losing them but it's obviously more expensive to do that.Another option is to ask your insurance agent about covering them under a seperate inland marine policy.
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