Results 11 to 15 of 15
-
July 5th, 2018, 08:39 PM #11Super Member
- Join Date
- Dec 2016
- Location
-
Out There,
Pennsylvania
- Posts
- 534
- Rep Power
- 7468636
Re: Insurance coverage for gun collection?
I second Collectibles Insurance Co. I've had them for several years and have been happy. Never had to file a claim, but I did this research a few years back and they came back with positive recommendations for most everyone I talked to. I keep a list of my guns(+scopes), serial numbers, photographs, values, etc... You don't need to provide it to them, but I believe that you do need to have it when filing a claim.
The nice thing is that they also cover optics, accessories, and I believe even ammo. As stated, they also cover you outside of the home. I've heard very negative things about the NRA plans in terms of filing claims. Collectibles was also FAR cheaper than adding to my homeowners policy. My home owners is capped at $5k for guns, jewelry, etc... combined.
I should add that none of my guns are irreplaceable so I prefer insurance to safes in that aspect. I don't trust guns safes to offer any real protection unless you are spending big $$$. IMO a safe is good for offering protection against common burglars, and unauthorized access by children, but I don't particularly depend on them for fire or water damage protection.Last edited by Marcus99; July 5th, 2018 at 08:46 PM.
-
July 5th, 2018, 08:40 PM #12Grand Member
- Join Date
- Aug 2010
- Location
-
South East of disorder
- Posts
- 3,577
- Rep Power
- 21474853
Re: Insurance coverage for gun collection?
I called my home owners insurance company. They told me any one item over 3K needed a rider. For the extra cost I decided against a rider. Two guns in my collection are worth more than that. I decided better fire and theft protection storage was a better option.
Sentimental value cant really be insured, no matter how important the item is. They are not all gun related.Aggies Coach Really ??? Take off the tin foil bro.
-
July 6th, 2018, 08:29 AM #13Active Member
- Join Date
- Aug 2012
- Location
-
Lancaster,
Pennsylvania
- Posts
- 144
- Rep Power
- 608308
Re: Insurance coverage for gun collection?
I have pretty much decided im not going to go with my home owners insurance for coverage. I spoke to a police officer friend of mine lastnight and he agreed that he wouldnt give them a list either. Im going to do more research this weekend online for a company. I will do some kind of coverage as Its a big collection. They are very sentimental to me , but they are also a financial investment as far as im concerned.
-
July 6th, 2018, 09:33 AM #14Grand Member
- Join Date
- Aug 2010
- Location
-
South East of disorder
- Posts
- 3,577
- Rep Power
- 21474853
Re: Insurance coverage for gun collection?
Have you considered multiple levels of protection? Burglar and fire alarms, added fire protection to the storage area, an alert dog. A dog doesn't need to be mean to be alert. You don't want Kate getting bit
Aggies Coach Really ??? Take off the tin foil bro.
-
July 6th, 2018, 03:00 PM #15Grand Member
- Join Date
- Dec 2011
- Location
-
Where the amish roam,
Pennsylvania
(Lancaster County) - Posts
- 2,812
- Rep Power
- 21474851
Re: Insurance coverage for gun collection?
You can one need to talk to their agent I did with mine and essentially your increasing the overall amount your covered for, so for example you may have contents coverage of $20k you can increase it as needed for a higher monthly premium. The one aspect is the documentation you have to be able to support a claim you don;t have to hand over a list but if the time comes you need proof as that is ones responsibility towards the claim.
Similar Threads
-
Looking for recommendations on firearm insurance. Not Homeowners insurance.
By Silentwind in forum GeneralReplies: 2Last Post: June 9th, 2016, 10:03 AM
Bookmarks