Pennsylvania Firearm Owners Association
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  1. #1
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    Default Homeowners insurance and guns.

    So the insurance company that I went with, Amica, wants to ask me a bunch of OPSEC questions about my guns.., how many, type, caliber, how they are stored, where they are stored, who has access, etc.

    Not for value reasons, she said they're a liability.

    I know not every insurer asks about guns, so looking for RECENT experiences so that when I call her back, it's to eject and NOT acquiesce to their request for this information.

    I'm open to "grow up and answer their questions you paranoid nitwit" type of feedback as well.

    Thanks

    Justin
    Life has a melody. Not great, not terrible.

  2. #2
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    Default Re: Homeowners insurance and guns.

    I'd be looking for a new company. If they feel that having firearms is a liability, they're probably not going to support you if you ever have an incident involving firearms, like a theft.

    Now grow up you paranoid nitwit.
    Rules are written in the stone,
    Break the rules and you get no bones,
    all you get is ridicule, laughter,
    and a trip to the house of pain.

  3. #3
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    Default Re: Homeowners insurance and guns.

    Quote Originally Posted by streaker69 View Post
    I'd be looking for a new company. If they feel that having firearms is a liability, they're probably not going to support you if you ever have an incident involving firearms, like a theft.

    Now grow up you paranoid nitwit.
    That's the purpose of the thread. Company suggestions.
    Life has a melody. Not great, not terrible.

  4. #4
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    Jun 2014
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    Default Re: Homeowners insurance and guns.

    Quote Originally Posted by streaker69 View Post
    I'd be looking for a new company. If they feel that having firearms is a liability, they're probably not going to support you if you ever have an incident involving firearms, like a theft.

    Now grow up you paranoid nitwit.
    Agreed. If they view them as a liability, that's a bad sign that they will not take your side or help you out in future claims.

    My company insures them as property (lists as sporting goods) under my HOI policy and asked for values and a photo, but didn't even require serial numbers, which I'd be reluctant to give anyways if they did ask.

    The questions they're asking you are inappropriate and irrelevant to your policy. They seem very anti-gun. I'd decline to answer and get a new company.


    I PM'd you my company info.
    Galations 6:9...And let us not grow weary of doing good, for in due season we will reap, if we do not give up.
    Ashli Babbitt - Patriot

  5. #5
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    Delco, Pennsylvania
    (Delaware County)
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    Default Re: Homeowners insurance and guns.

    I was going to suggest USSA. I have State Farm and was never asked about firearms.

  6. #6
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    Upper Darby, Pennsylvania
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    Default Re: Homeowners insurance and guns.

    I have not *quite* exceeded NRA coverage limits for my firearms - yet - but I have never heard nor read a single concerning thing about firearms from USAA.

    In my experience they (USAA) are also quite easy to deal with when you need them, usually during some of the un-better times, like this one...
    Image0207.jpg

  7. #7
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    Default Re: Homeowners insurance and guns.

    Quote Originally Posted by Sgt.K View Post
    I have not *quite* exceeded NRA coverage limits for my firearms - yet - but I have never heard nor read a single concerning thing about firearms from USAA.

    In my experience they (USAA) are also quite easy to deal with when you need them, usually during some of the un-better times, like this one...
    Image0207.jpg


    <GHETTO ACCENT> What kind of company would expect you to drive around on 3 wheels?
    Galations 6:9...And let us not grow weary of doing good, for in due season we will reap, if we do not give up.
    Ashli Babbitt - Patriot

  8. #8
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    Macungie, Pa, Pennsylvania
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    Default Re: Homeowners insurance and guns.

    Same here with State Farm. Have never been asked.

    .

  9. #9
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    Default Re: Homeowners insurance and guns.

    Quote Originally Posted by STBear View Post
    I was going to suggest USSA. I have State Farm and was never asked about firearms.
    I am in the process of buying a house, and am switching from renter's to homeowner's insurance, both with State Farm. The only reason they asked about firearms was to have an approximate total value, because the standard policy only covers up to a certain amount, $2500 maybe. I will be paying and extra $14/year for $5000 total firearm coverage. they never asked for any information about types, models, serial numbers, storage, or anything else.
    Power always thinks...that it is doing God's service when it is violating all his laws.

  10. #10
    Join Date
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    Scranton, Pennsylvania
    (Lackawanna County)
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    Default Re: Homeowners insurance and guns.

    Another vote for State Farm. The extra rider for over $5k (covers me to twice that) costs me 60 cents a month.
    "...a REPUBLIC, if you can keep it."

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