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Firearm and Jewelry Policies
Posted on 8/17/16 at 9:01 pm
Posted on 8/17/16 at 9:01 pm
Can anyone here shed some light on the ins and outs of jewelry and firearm insurance? And recommend some companies?
4
Posted on 8/17/16 at 9:04 pm to TigerFox
Posted on 8/17/16 at 9:07 pm to TigerFox
Pretty much if you have homeowners they have maximums on jewelry, guns ,etc and it is not too much maybe a couple 3-4 thousand. Anything above that needs a rider or an individual policy, as stated above you can not beat eastern for guns, it is a stand alone policy which means it will not be counted against you with a claim on your homeowners
If I remember right they offer A 30k policy with a 100 deductible for $130/ year
If I remember right they offer A 30k policy with a 100 deductible for $130/ year
Posted on 8/17/16 at 9:08 pm to Tigerpaw123
Ahh frick u said rider word
Posted on 8/17/16 at 9:09 pm to Tigerpaw123
Posted on 8/17/16 at 9:26 pm to Oyster
Just get endorsements on your homeowners. I have many for jewelry and guns. They are cheap and don't require a deductible.
Posted on 8/17/16 at 9:53 pm to TigerFox
Join the NRA. They cover a portion of stolen firearms if I remember correctly.
Posted on 8/17/16 at 9:56 pm to Scooba
Jewelers mutual is pretty good. Homeowners policy beat them by $10 a year though for same coverage. As to the 3-4K I'm not sure where you get that from. My jewelry portion is way over that. Obviously your premium rises based on how much you want covered.
Posted on 8/17/16 at 9:58 pm to TigerFox
All my shite goes under homeowners
quote:I got $6500 for a watch that was stolen. No idea where you came up with that
it is not too much maybe a couple 3-4 thousand
This post was edited on 8/17/16 at 10:00 pm
Posted on 8/17/16 at 10:02 pm to Hammertime
Yeah like I said. I'm not sure there is even really a limit. Your premium is based on how much you want to insure. I think it can probably get pretty high. Jewelers mutual does In the millions I'm pretty sure.
Posted on 8/17/16 at 10:05 pm to Hammertime
Stated coverage limits for theft of firearms and jewelry under homeowners contents. Personal article policy limits are based on the appraised value of whatever you're insuring.
Posted on 8/17/16 at 10:08 pm to CaptainsWafer
Not sure what you're saying because I don't work in insurance but maybe some policies cover a little just under contents? I'm talking about an additional premium added for jewelry. Not sure about guns though. To the OP these policies are fairly cheap to add. I think I pay in the neighborhood of $100 per year per 10k insured.
This post was edited on 8/17/16 at 10:10 pm
Posted on 8/17/16 at 10:14 pm to LEASTBAY
I'm sayin your homeowners policy will cover your contents, but only to a stated limit for theft of guns or jewelry. Your contents coverage may be $100,000, but it will only cover up to $4000 for theft of jewelry or firearms.
Therefore if your (wife's) jewelry exceeds $4000 in value, you'd need a personal article policy to be fully covered for the jewelry. The coverage limit is based on the appraisal provided by the jeweler. This coverage is in addition to the contents coverage in your homeowners.
Therefore if your (wife's) jewelry exceeds $4000 in value, you'd need a personal article policy to be fully covered for the jewelry. The coverage limit is based on the appraisal provided by the jeweler. This coverage is in addition to the contents coverage in your homeowners.
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