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re: Firearm Insurance
Posted on 10/13/16 at 9:55 pm to DownSouthDave
Posted on 10/13/16 at 9:55 pm to DownSouthDave
Who are you insured with? I'm an agent for State Farm, Fire arms are covered in our HO policies for theft up to 2500 each and if they are lost due to a covered peril on your HO then they will be covered as personal property. Any more questions you can shoot me an email mam9145@gmail.com
1
Posted on 10/13/16 at 11:19 pm to DownSouthDave
I don't have experience with this but it sounds like you are getting hosed. In a couple years or so worth of insurance, you could buy a fireproof safe bolted to the slab, if you have room for it. If you have a monitered alarm system, no one is getting into that safe quick enough and they are protected during a fire. I would hedge my bets for a fireproof safe before I paid that outrageous amount to insurance every year.
Posted on 10/14/16 at 6:35 am to Tigerpaw123
I have a Tundra where the back glass will slide all the way down, however I had it left cracked maybe an inch down. Vehicle was otherwise locked.
Insurance is insurance, the purpose of it is there to protect, even against negligence towards yourself. That's what's wrong with these insurance companies these days.
Insurance is insurance, the purpose of it is there to protect, even against negligence towards yourself. That's what's wrong with these insurance companies these days.
Posted on 10/14/16 at 6:53 am to Shepherd88
I'm going to have to agree with you there. It's incredible that you can be responsible for someone stealing your shite, no matter the circumstance.
this time of year I ride with all 6 Windows open.
quote:
back glass slide all the way down
this time of year I ride with all 6 Windows open.
Posted on 10/14/16 at 10:36 am to Keeble9145
quote:
State Farm, Fire arms are covered in our HO policies for theft up to 2500 each
You sure that's not total?
I dont think Ive ever seen a policy with 2500 each, no total limit, on theft.
Posted on 10/14/16 at 11:21 am to NYCAuburn
It's total, and can be upped to 5000. Anything past that is gonna have to be scheduled. Of course I recommend ALL firearms be scheduled. $2 per $100 with zero deductible. All perils are covered. Lost, stolen, burned, broken, etc...
Posted on 10/14/16 at 11:51 am to hawgndodge
quote:
All perils are covered.
Flood????
Posted on 10/14/16 at 12:00 pm to Tigerpaw123
I have Allstate and we are covered up to $2500 per gun under homeowners policy with standard deductible for anything that could happen to them. They must all be listed and documented and on file(only bad thing). I have an underwriter as well for a few guns that are more valuable than $2500 to cover the gap in cost. I pay $1 for every $100 in value per year on that policy with a $500 deductible. So my underwriter bill is $250 a year on top of regular home owners insurance premiums.
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