Firearm Insurance
- Thread starter Hunt200
- Start date
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Wheelgunner840
Member
That is what I use. You choose the dollar amount you want to have insured.
WG840
WG840
How good is it? Is it hard to have a claim processed and actually get a payout? Do you have to get all of your guns appraised? Sorry for so many questions. I need some good gun insurance and I hate to go through getting a rider on my home owners policy.
Wheelgunner840
Member
The thing I like most about it is that you do not have to list any of your firearms or their serial numbers. Unless it is a "Scheduled" item (a single item worth more than $1300). Even in that case, I don't believe you need to provide a serial number, just a detailed description so they can check to see if it is really worth $1300 or more.
My homeowners (apt. insurance) wanted a list of my guns. I didn't like that. The NRA endorsed insurance asks that you pay on the amount of coverage you want not a description of what you want covered. They also now claim that they will pay replacement value not just listed value.You pay X amount per $100 of coverage. You choose how much coverage you need. Something like $6 per $100.
It covers your guns whether they are in your home, or on the road with you. As far as how they pay for claims, I do not know, as I have been lucky to never have had one lost or stolen.
WG840
My homeowners (apt. insurance) wanted a list of my guns. I didn't like that. The NRA endorsed insurance asks that you pay on the amount of coverage you want not a description of what you want covered. They also now claim that they will pay replacement value not just listed value.You pay X amount per $100 of coverage. You choose how much coverage you need. Something like $6 per $100.
It covers your guns whether they are in your home, or on the road with you. As far as how they pay for claims, I do not know, as I have been lucky to never have had one lost or stolen.
WG840
Wheelgunner840
Member
I think that's better. I'm not what you would call a collector, so I don't have any one piece valued that high.
WG840
ElToro
Member
will the insurance company pay based on .gov theft ?
BobsSmith
Member
My homeowners insurance will only pay $1,000 for firearms.
I have two good gun safes now. I should have bought a bigger one first time around. LoL...live and learn.
Best
Bob
I have two good gun safes now. I should have bought a bigger one first time around. LoL...live and learn.
Best
Bob
Wheelgunner840
Member
I guess it depends on whether or not they got a bailout!
WG840
