General Categories > General Firearm Discussion
Firearms insurance
Jerry Lundegard:
I am the process of switching homeowner policy coverage for the first time in 17 years. I am finding varying requirements for firearms. Some companies want a simple firearms value estimate for a rider while others want a detailed schedule including serial numbers. Anyone have suggestions for either a good major carrier or a specialty carrier? Not a big fan of providing detailed information to an agent.
Side note: one agent asked me if I had normal guns or "the kind I see on the news that are used to kill a lot of people and shoot up stores and theaters". She obviously has no chance at my business regardless of the rate she quotes.
Mudinyeri:
Are you active duty military, veteran or related to a vet? If so, USAA.
ILoveCats:
Ditto USAA. They are the best in terms of coverage, price and customer service.
bullit:
Although I am 30 year USAA member and BIG fan pay attention to the details of the policy. Most cases, there is limit per firearm and/or entire collection. I've been insured by "Collectibles Insurance Services, LLC" www.collectinsure.com for about 6 years.
They do not require any specifics unless you choose a rider on any individual gun you value over $2K. I carry about $20,000 in coverage with an annual premium of $137.00
RobertH:
I just opened with Collectibles Insurance. It covers guns, optics, knives and no serial numbers. For 10k, its $71 a year. I know some NFOA members have this. Some ARFCOMers who have transferable M16s use this as well.
When I asked State Farm, they wanted serial numbers and appraisals.
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