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re: Home owners covering firearms?
Posted on 4/1/14 at 8:42 pm to RebelExpress38
Posted on 4/1/14 at 8:42 pm to RebelExpress38
quote:
Call your agent and have them schedule each gun individually. Limits are different on each policy but if you have a few guns it's worth it.
This is one way to do it but not really the best way. 1) You really do not want to have claims on your homeowner's insurance 2) Guns and jewelry seem to have high odds of getting broken, lost, stolen, etc. 3) You will properly pay more for scheduling it under your homeowners than you will on a stand alone policy by a company that handles mainly guns.
Separate policy is best, read the link for the other thread...
2
Posted on 4/1/14 at 8:54 pm to wickowick
I looked into an inland marine policy last month WAAAY too expensive. If ya'l have a better way I'll look into it, have two guns very valuable to me and in real value, plus lots of other guns. Sucks it's so hard to get good coverage for them.
Posted on 4/1/14 at 9:48 pm to wickowick
I just browsed through the policy that NRA offers through ArmsCare and it looks like a solid policy. Not sure how premiums are. It's underwritten by Lloyds of London. I'd get a quote through them.
Theft is the only peril you need protection for. Your HO policy covers them for their full value (up to your personal property limits) in the event of any loss except theft. Consider the cost of the additional insurance, versus the cost of a big, badass safe. See how many years it takes you to break even.
Theft is the only peril you need protection for. Your HO policy covers them for their full value (up to your personal property limits) in the event of any loss except theft. Consider the cost of the additional insurance, versus the cost of a big, badass safe. See how many years it takes you to break even.
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