Forums46
Topics537,014
Posts9,719,419
Members86,987
|
Most Online25,604 Feb 12th, 2024
|
|
|
Additional homeowners insurance for firearms
#6940776
10/31/17 03:42 PM
|
Joined: Jul 2008
Posts: 22,209
Texas Dan
OP
THF Celebrity
|
OP
THF Celebrity
Joined: Jul 2008
Posts: 22,209 |
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.
"Some people will never like you because your spirit irritates their demons."
|
|
|
Re: Additional homeowners insurance for firearms
[Re: Texas Dan]
#6940782
10/31/17 03:46 PM
|
Joined: Nov 2012
Posts: 15,612
QuitShootinYoungBucks
THF Celebrity
|
THF Celebrity
Joined: Nov 2012
Posts: 15,612 |
https://web.archive.org/web/20170223065011/http:/www.rrdvegas.com/silencer-cleaning.html
|
|
|
Re: Additional homeowners insurance for firearms
[Re: Texas Dan]
#6940795
10/31/17 03:50 PM
|
Joined: Sep 2009
Posts: 18,907
ChadTRG42
THF Celebrity
|
THF Celebrity
Joined: Sep 2009
Posts: 18,907 |
Correct. Most standard homeowner policies cover a few thousand dollars. You have to add a rider or an additional clause for more value.
|
|
|
Re: Additional homeowners insurance for firearms
[Re: Texas Dan]
#6940821
10/31/17 04:04 PM
|
Joined: Jun 2009
Posts: 4,176
Korean Redneck
Extreme Tracker
|
Extreme Tracker
Joined: Jun 2009
Posts: 4,176 |
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.
I'm a dude who likes long barrels!
|
|
|
Re: Additional homeowners insurance for firearms
[Re: Texas Dan]
#6941042
10/31/17 06:30 PM
|
Joined: Jun 2011
Posts: 33,797
Buzzsaw
THF Celebrity
|
THF Celebrity
Joined: Jun 2011
Posts: 33,797 |
Some will need more than $5,000 coverage, like Big Fitz
SPACE FOR RENT
|
|
|
Re: Additional homeowners insurance for firearms
[Re: Texas Dan]
#6941438
10/31/17 11:39 PM
|
Joined: Dec 2009
Posts: 5,431
Big Fitz
THF Trophy Hunter
|
THF Trophy Hunter
Joined: Dec 2009
Posts: 5,431 |
I will need more insurance when uncle Buzz starts gifting me some of those high dollar custom rifles!
I was wrong...on anything technical. Fitz............. is right, ya know............
|
|
|
Re: Additional homeowners insurance for firearms
[Re: Texas Dan]
#6941586
11/01/17 01:45 AM
|
Joined: Nov 2010
Posts: 3,200
Marc K
Veteran Tracker
|
Veteran Tracker
Joined: Nov 2010
Posts: 3,200 |
$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 specifically not designed as a Democracy. We are a Constitutional Republic.
|
|
|
Re: Additional homeowners insurance for firearms
[Re: QuitShootinYoungBucks]
#6941643
11/01/17 02:41 AM
|
Joined: Jul 2008
Posts: 22,209
Texas Dan
OP
THF Celebrity
|
OP
THF Celebrity
Joined: Jul 2008
Posts: 22,209 |
"Some people will never like you because your spirit irritates their demons."
|
|
|
Re: Additional homeowners insurance for firearms
[Re: Texas Dan]
#6943214
11/02/17 09:52 AM
|
Joined: Aug 2011
Posts: 2,706
pigplinker
Veteran Tracker
|
Veteran Tracker
Joined: Aug 2011
Posts: 2,706 |
Good topic. I'll have to check my policy. Thanks Texas Dan for bringing this up.
|
|
|
Re: Additional homeowners insurance for firearms
[Re: pigplinker]
#6943741
11/02/17 04:58 PM
|
Joined: Sep 2016
Posts: 59
Dan S.
Outdoorsman
|
Outdoorsman
Joined: Sep 2016
Posts: 59 |
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.
|
|
|
Moderated by bigbob_ftw, CCBIRDDOGMAN, Chickenman, Derek, DeRico, Duck_Hunter, hetman, jeh7mmmag, JustWingem, kmon11, kry226, kwrhuntinglab, Payne, pertnear, rifleman, sig226fan (Rguns.com), Superduty, TreeBass, txcornhusker
|