Re: Documenting Firearms
Most homeowners policies limit stolen firearms, or those lost in a fire, to $500 collectively, usually not enough. I buy a Scheduled Personal Property rider at a premium of $1.00 per value of gun (a $500 gun would cost $5 per year premium). My HO carrier, Allstate, demands a sale receipt or appraisal and photo of each. This is all risk coverage, i.e., if you let it lay in the woods or drop it in a lake, there is coverage. You csn insure other items as well on a SPP.I have some scopes and binoculars on it.