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December 15th, 2009, 07:35 PM #1Junior Member
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Perkiomenville,
Pennsylvania
(Montgomery County) - Posts
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Adding Firearms to Homeowners Insurance
Hey guys how do I go about putting my collection on my Homeowners Insurance? Do I have to get them appraised first? Any help would be greatly appreciated. Thanks
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December 15th, 2009, 07:41 PM #2
Re: Adding Firearms to Homeowners Insurance
I think you should be talking directly to your favorite insurance agent. Last I knew it required a separate rider.
"Those who can make you believe absurdities can make you commit atrocities".
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December 15th, 2009, 07:46 PM #3
Re: Adding Firearms to Homeowners Insurance
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December 15th, 2009, 09:10 PM #4
Re: Adding Firearms to Homeowners Insurance
I have no idea on this one - Does being an NRA member give a level of insurance too or do you need to buy the NRA policy?
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December 16th, 2009, 12:08 AM #5
Re: Adding Firearms to Homeowners Insurance
As Roscoe says, check your policy. I have a renters insurance policy that covers firearms and accessories up to a certain amount, and this did not require an appraisal.
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December 16th, 2009, 12:13 AM #6Junior Member
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Perkiomenville,
Pennsylvania
(Montgomery County) - Posts
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Re: Adding Firearms to Homeowners Insurance
Thanks I just wasn't sure if most policies required an appraisal. I am covered up to 10k in guns on mine it seems but in order to get more coverage I would assume I would need an appraisal. ANy idea of the cost of one?
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December 16th, 2009, 12:27 AM #7
Re: Adding Firearms to Homeowners Insurance
I asked this question of my State Farm rep last year. They cover firearms up to a certain amount. Beyond that, you can purchase an "insurance rider" that doesn't require an appraisal or itemized inventory - also, up to a certain amount. Further beyond that, you'd need a tailored insurance policy for very expensive items like collector's stuff.
Hey, Lloyd's of London insures supermodel's legs and asses, I'm sure they'd insure a priceless antique firearm for the right price. Hell, I would if I could...F*S=k
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December 16th, 2009, 12:40 AM #8
Re: Adding Firearms to Homeowners Insurance
I had geico try and say they would no insure us if we would not agree to ensure that ammunition was stored in a separate location from the firearms, i told her this was Pennsylvania, not California, and that i would be happy to move the 2 cars and motorcycles along with our home policy to State Farm.
a few minutes later, magic typing was heard and all was insured as a collection
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December 16th, 2009, 12:44 AM #9
Re: Adding Firearms to Homeowners Insurance
F*S=k
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