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Thread: NRA Endorsed firearms insurance?
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February 1st, 2012, 08:13 PM #1Grand Member
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NRA Endorsed firearms insurance?
I got this email today about firearms insurance that is NRA endorsed.
Here's a link:
http://www.locktonrisk.com/nrains/ar...ninsurance.com
Anyone use it? Is it worth it?
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February 1st, 2012, 08:16 PM #2
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February 1st, 2012, 08:29 PM #3
Re: NRA Endorsed firearms insurance?
If you want gun insurance I would recommend Collectibles Insurance.
See my post at http://forum.pafoa.org/general-2/835...ml#post1029822
Not only did I find them cheaper, no requiring any s/n or even a list but they also implemented a rider to ALL their policies to cover your carry pieces that I actually penned and they adopted!!! http://forum.pafoa.org/general-2/772...tml#post960601 .
Know any other insurance company that cooperative?
Disclaimer: I have no financial interest or relationship with Collectibles other than as a highly satisfied policyholder.IANAL
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February 1st, 2012, 08:52 PM #4
Re: NRA Endorsed firearms insurance?
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February 1st, 2012, 08:53 PM #5
Re: NRA Endorsed firearms insurance?
Sadly - I Have had experience with NRA firearms insurance
They explained to me that they are not "primary" insurance coverage, they take up where your homeowners or renters insurance leaves off.
They were very helpfull and responsive over the phone - mailed claim forms out right away - followed up after i sent paper work in right away - paid very timely - no complaints on them.
I cant say same for my homeowners insurance company....
Jeff
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February 1st, 2012, 09:31 PM #6
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February 1st, 2012, 10:23 PM #7Member
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Re: NRA Endorsed firearms insurance?
WOW, which State Farm is that? My agent went over my whole policy with me. My nephew used to work for him. He is in the National Guard, and ask to go to the range to shoot my AR. We had a blast. He does know that once a year my brother, and I exchange CD's with photos of our houses, and everything in them. We do that because I had a fire about thirty years ago, and you would be surprised what you forget to put on an insurance claim. Pictures are also good proof. I also have a fire proof filing cabinet in a cement block room in the basement with all my records, including photos, and serial numbers. We raised the coverage on my guns, and have sinkhole protection.
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February 1st, 2012, 10:43 PM #8
Re: NRA Endorsed firearms insurance?
Search for a post on building a range on private property and the discussion on insurance.
In the thread it is said that State Farm is highly inconsistent in how they treat firearm owners. They actually leave it to the agent's discretion, with no consistent home office policy.
Several people had their homeowners and liability insurance dropped, without recourse, as soon as the State Farm agent discovered that they owned firearms.
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February 1st, 2012, 11:07 PM #9Grand Member
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Re: NRA Endorsed firearms insurance?
I looked into the nra insurance program recently. I did not compare their rates to too many other companies. As I recall, their rate to insure firearms from loss, theft, fire damage was about 14 dollars per 1000 dollars of coverage per year. Before doing anything, I was going to inquirer regarding whether or not the loss of a firearm would be replacement value, or value as a used gun at time of claim, which of course would be a lower dollar payment. Many years ago, I did have firearms stolen and the coverage was replacement value, but it was not nra insurance.
A few years ago I did compare the nra rates which were lower that other riders on home insurance policies which were billed at 17 dollars or more for each 1000 in coverage. Without the rider on the policy, the insurance company may not pay anything for the loss or theft of a firearm, or minimum much like what the insurance companies pay for jewelry losses.Last edited by c45man; February 1st, 2012 at 11:17 PM.
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February 2nd, 2012, 12:15 AM #10
Re: NRA Endorsed firearms insurance?
Fuck STATE FARM anything. 5 years and 10K out of pocket in lawyer fees to recoup my loss.
My current insurer is super awesome....I have 25K worth of rider insurance for firearms, safe, etc...cost to me is pennies.
CL
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