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#6940776 - 10/31/17 10:42 AM Additional homeowners insurance for firearms
Texas Dan Offline
THF Celebrity

Registered: 07/28/08
Posts: 13399
I finally got around to checking my homeowners insurance policy to see how it would cover firearm theft and learned it would only pay $2000. For another $155 per year, I get $10K of firearm coverage that protects for theft both at and away from home with no deductible.

Seems like a no-brainier to me.
_________________________
Dan,

Spring, Texas

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#6940782 - 10/31/17 10:46 AM Re: Additional homeowners insurance for firearms [Re: Texas Dan]
QuitShootinYoungBucks Online   content
THF Trophy Hunter

Registered: 11/01/12
Posts: 8948
Loc: Lubbock, TX
what company?
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#6940795 - 10/31/17 10:50 AM Re: Additional homeowners insurance for firearms [Re: Texas Dan]
ChadTRG42 Online   happy
THF Celebrity

Registered: 09/16/09
Posts: 13029
Loc: Lewisville, TX
Correct. Most standard homeowner policies cover a few thousand dollars. You have to add a rider or an additional clause for more value.
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www.DallasReloads.com
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#6940821 - 10/31/17 11:04 AM Re: Additional homeowners insurance for firearms [Re: Texas Dan]
Korean Redneck Offline


Registered: 06/24/09
Posts: 2548
Loc: Houston
You should look into more gun specific insurers. I used to be an NRA and it comes with like $5k, or something like that, of gun insurance with the membership and additional insurance seemed affordable through the same policy.

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#6941042 - 10/31/17 01:30 PM Re: Additional homeowners insurance for firearms [Re: Texas Dan]
Buzzsaw Online   content
THF Celebrity

Registered: 06/29/11
Posts: 13078
Loc: Frisco, Texas
Some will need more than $5,000 coverage, like Big Fitz
_________________________
"I ain't here for a long time, I'm here for a good time"
King George Strait



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#6941438 - 10/31/17 06:39 PM Re: Additional homeowners insurance for firearms [Re: Texas Dan]
Big Fitz Online   content
Veteran Tracker

Registered: 12/06/09
Posts: 2442
Loc: Prosper, TX
I will need more insurance when uncle Buzz starts gifting me some of those high dollar custom rifles! banana2
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Originally Posted By: syncerus
I prefer to think of myself as a control enthusiast. wink

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#6941586 - 10/31/17 08:45 PM Re: Additional homeowners insurance for firearms [Re: Texas Dan]
Marc K Online   content
Tracker

Registered: 11/02/10
Posts: 922
Loc: Eustace, TX
$2500 or $5,000 is the freebie for all NRA members.
The company who offers that insurance will go to $350,000+ for those of you who need it.
_________________________
A Democracy is when two wolves and a lamb vote on the dinner menu. That is why this country was not designed to be a Democracy.

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#6941643 - 10/31/17 09:41 PM Re: Additional homeowners insurance for firearms [Re: QuitShootinYoungBucks]
Texas Dan Offline
THF Celebrity

Registered: 07/28/08
Posts: 13399
Originally Posted By: QuitShootinYoungBucks
what company?


Allstate
_________________________
Dan,

Spring, Texas

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#6943214 - 11/02/17 04:52 AM Re: Additional homeowners insurance for firearms [Re: Texas Dan]
pigplinker Offline
Pro Tracker

Registered: 08/07/11
Posts: 1881
Loc: Ben Wheeler,Tx
Good topic. I'll have to check my policy. Thanks Texas Dan for bringing this up. up

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#6943741 - 11/02/17 11:58 AM Re: Additional homeowners insurance for firearms [Re: pigplinker]
Dan S. Offline
Light Foot

Registered: 09/08/16
Posts: 14
Having fought insurance companies for my customers over the years here is some advice. Have all your arms serial numbers and store them in a safe place. Meet with your agent and agree on a appraised price for each firearm. At the same time if possible, take a picture of it and write the agreed upon appraised price on it. Last but not least, make sure your firearm is covered outside of your home. Some insurers only cover them in your home. Farmers insurance in my opinion is the worst. In all cases, your agent is your friend. If they fight the main office for you things usually come out better. Remember, most insurance companies look for any excuse to save themselves money.

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