Firearm Insurance

Just buy an extra gun a year and keep them somewhere else as a hedge

I am guessing they scheduled them, which would also cover accidental damage.

What do you think you have in guns and accessories, new replacement cost. And what losses are you wanting protected against.

What does scheduling them mean?

I upped the contents to the maximum, 70% I'd the home value and that was less than $100 a year. That would cover them in a fire or other catastrophe.

Its a pretty good collection, and i I have a few of my dad's right now, he lost his adage in the flood.

Scheduling is where each gun is insured, usually no deductible, up to a set amount, that covers most losses including accidental damage or misplacing.


There is usually no specific limit on firearms and accessories on total losses, not theft. It's just your personal property maximum with a deductible.
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Theft, you are going to usually have a specific limit on firearms and accessories plus a deductible. A lot of policies, it's $2500 limit.

Misplacing and accidental damage are not covered


You should be able to up your firearms theft limit at a fairly negligible cost. I recommend scheduling anything with particular high value though.



Eta, I am just assuming your agent friend did schedules, because of the cost.

Eastern Firearms Insurance, under $150 a year gets you $35k in coverage.

Don't get this policy with Eastern Insurance. I had this policy and filed a claim due to theft of my handgun from my vehicle. They denied my claim even after proof of police report. I called a cancelled that policy immediately after they denied it.

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Don't get this policy with Eastern Insurance. I had this policy and filed a claim due to theft of my handgun from my vehicle. They denied my claim even after proof of police report. I called a cancelled that policy immediately after they denied it.

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Why was it denied?

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They claimed since there wasn't evidence of forced entry into the vehicle that it was negligence. So what I learned is next time for insurance purposes I'll knock the damn window out myself.

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Were your doors locked, were your windows up? Someone on here had a claim denied because the truck window was open, while I hate a thief, can't blame the insurance company if the vehicle is left open

Means each gun is listed in the policy separately, and each for a stated amount. Same way you'd have different jewelry items listed. No deductibles and all perils covered.

You could also have multiple items (guns, jewelry, golf clubs) under one policy. Super cheap.