Firearms Insurance

Tom S.

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Nov 24, 2015
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Location
SE Michigan
After a somewhat unpleasant experience with my former insurer, I am shopping for insurance again. Who are you insured with and what experiences have you had with them? I was insured with Eastern, but their failure to respond to email/phone calls on a non-claim issue left me doubtful that I would be happy if I should ever should have to file a claim with them. I am currently looking at Gun & Trophy Insurance who seem to have very reasonable rates.
 
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For comparison purposes, the price I've been quoted is about $3.14 per $1,000 of coverage with a $500 deductible. So, for example, coverage for $50,000 would be $157 a year while $100,000 would be $314.
 
I haven't bought gun insurance for many years now. I keep all my weapons in QUALITY gun safes (2000 lbs. or more) and my home has a complete alarm system (opening detection, movement sensors, IR sensors, etc.) My house system is monitored 24/7 with 10 minutes police response time. For the money I would have spent over the years on insurance, I could have purchase several of the home security systems I have.
 

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