First of all, I'm a NRA Life Member. I still would not recommend NRA insurance .

A friend of mine paid their premiums to them for years. Not long ago someone broke into the house and took safe, guns and all.

She talk to NRA and sent them a list of the guns. They (NRA) told her she would have to replace all of the guns first, and then they would remburse her money. She didn't have the money to replace the guns.

Her husband had died a few years ago and she didn't want anymore guns.

So... guess what? she lost all of her guns, safe, ammo and other items.

She has her checks were she paid the NRA for many years for their so called insurance.

She was not paid a penny from the NRA. Total loss.