Main Menu
Advertisement
Affiliates
Advertisement
Newest Members
Cornfedredneck74, Cement pro taco, TxReezen7.0, Nutz, Jdmcneely26
63583 Registered Users
Top Posters
dogcatcher 86893
stxranchman 52536
bill oxner 46048
RWH24 44568
rifleman 44356
BOBO the Clown 43445
BMD 40829
Big Orn 37484
txshntr 35147
SnakeWrangler 34875
facebook
Forum Stats
63583 Members
45 Forums
450763 Topics
6228643 Posts

Max Online: 16728 @ 03/25/12 08:51 AM
Page 1 of 2 1 2 >
Topic Options
#7153364 - 04/27/18 08:42 AM Insurance options
TX_LT230FH Offline
Extreme Tracker

Registered: 05/16/07
Posts: 4403
Loc: North Dallas
Curious as to what everyone does- homeowners has pretty low limits on firearms coverage.
NRA "free" limit is 2500$.
Any suggestions?
_________________________

Top
#7153366 - 04/27/18 08:46 AM Re: Insurance options [Re: TX_LT230FH]
kmon1 Offline
junior

Registered: 09/27/06
Posts: 22877
Loc: Texas
Added in a rider on the homeowners insurance for the guns.
_________________________
Guidelines / Rules of Conduct
http://www.texashuntingforum.com/rules.htm

RULES for using the TRADING POST
http://texashuntingforum.com/forum/ubbth..._PO#Post6605808

Top
#7153384 - 04/27/18 09:08 AM Re: Insurance options [Re: TX_LT230FH]
Gumbeaux Offline
Veteran Tracker

Registered: 09/11/09
Posts: 3038
Loc: Georgetown
Some insurance will only cover up to a small amount on firearms and you need a separate rider, and some will include it in the contents coverage.

We just switched from Farmers (with a rider) to Farm Bureau (part of contents) and Cody got me all set up. Get with varmintslayer on here. He's an agent and had awesome prices.

Top
#7153412 - 04/27/18 09:33 AM Re: Insurance options [Re: TX_LT230FH]
cullbuck Offline
Woodsman

Registered: 02/03/08
Posts: 214
+1 for Cody with Farm Bureau.
He helped me out also.

Top
#7153420 - 04/27/18 09:46 AM Re: Insurance options [Re: TX_LT230FH]
SR025 Offline
THF Trophy Hunter

Registered: 09/01/10
Posts: 5934
Loc: DFW
Yep Cody is awesome

Top
#7153449 - 04/27/18 10:19 AM Re: Insurance options [Re: TX_LT230FH]
patriot07 Online   content
Veteran Tracker

Registered: 11/06/11
Posts: 2367
Loc: Royse City, TX
I have a rider as well for firearms and camera equipment. We use a "broker" who shops with about 10 different companies for the best rates. They're always better than the rates I could get with an agent for a single company. PM me if you want more info.

Top
#7153570 - 04/27/18 12:47 PM Re: Insurance options [Re: TX_LT230FH]
TX_LT230FH Offline
Extreme Tracker

Registered: 05/16/07
Posts: 4403
Loc: North Dallas
What documentation do they request for a rider? Full descriptions, serial numbers, photos?

This policy says no serial numbers required:

ArmsCare
_________________________

Top
#7154197 - 04/28/18 11:49 AM Re: Insurance options [Re: TX_LT230FH]
Grendel 6.5 Offline
Pro Tracker

Registered: 01/12/10
Posts: 1268
Texas Farm Bureau covers firearms (as noted above) as part of contents. The homeowners contents coverage also extends to vehicle or other location such as public storage unit.
_________________________
I go to Bone Daddy's for the burgers....yeah, that's why.

Top
#7154289 - 04/28/18 03:20 PM Re: Insurance options [Re: TX_LT230FH]
jlsbassman Online   content


Registered: 06/18/09
Posts: 585
Loc: Royse City
I just added a rider on my homeowners policy. Pretty reasonable. Didn't realize they weren't covered under regular policy till I changed a couple years ago. Glad my agent discussed this me.

Top
#7154321 - 04/28/18 04:05 PM Re: Insurance options [Re: jlsbassman]
Texas Dan Offline
THF Celebrity

Registered: 07/28/08
Posts: 13277
A $10K rider cost me $155 a year
_________________________
Dan,

Spring, Texas

Top
#7154943 - 04/29/18 03:30 PM Re: Insurance options [Re: TX_LT230FH]
DLALLDER Offline
Veteran Tracker

Registered: 11/23/05
Posts: 3272
Loc: Pittsburg, Texas
Ever wonder if the home owners policy covers the accessories such as scopes, slings even if guns are not after a certain amount. I wonder why they will cover a $5000 tv set but no guns, a $3500 dress but no guns, 2 or 3 $2500 computers or laptops but no guns, a $20000 dining room suite but no guns??? Anyone know the answer????


Edited by DLALLDER (04/29/18 03:34 PM)
_________________________






Top
#7154969 - 04/29/18 04:03 PM Re: Insurance options [Re: TX_LT230FH]
HicksHunter Offline


Registered: 01/22/09
Posts: 1637
Loc: Kerrville
I've insured my whole collection (accessories & all) through collectinsure.com. Low premiums, no requirement to provide serial numbers or even an inventory to them except for $10k+ single items. Covers theft even outside the home, fire, flood, etc...

Top
#7156266 - 05/01/18 03:14 AM Re: Insurance options [Re: TX_LT230FH]
Toxarch Offline
Pro Tracker

Registered: 03/09/11
Posts: 1909
Loc: Parker County
How do you file a claim if they have no idea what they are covering and no way to know if you had something in the first place? Sounds like a huge burden for you to prove after.
_________________________
It is far more important to be able to hit the target than it is to haggle over who makes a weapon or who pulls a trigger.

— Dwight D. Eisenhower

Top
#7156343 - 05/01/18 07:20 AM Re: Insurance options [Re: DLALLDER]
patriot07 Online   content
Veteran Tracker

Registered: 11/06/11
Posts: 2367
Loc: Royse City, TX
Originally Posted By: DLALLDER
Ever wonder if the home owners policy covers the accessories such as scopes, slings even if guns are not after a certain amount. I wonder why they will cover a $5000 tv set but no guns, a $3500 dress but no guns, 2 or 3 $2500 computers or laptops but no guns, a $20000 dining room suite but no guns??? Anyone know the answer????
They cover guns, but only after a large deductible, and sometimes there is a limit to how much value in guns they will cover (because you could claim to own some really high-value pieces with no way for the insurance company to really know one way or another if you're telling the truth). Also, your TV or other stuff getting stolen probably means your whole house was broken into and you'd easily meet the deductible. That's not necessarily always the case with guns.

There are quite a few benefits to the rider, and it's only about $10-$15 a month for that peace of mind for $10k in coverage, which I think is what I have for my combined gun/camera value.

Top
#7156362 - 05/01/18 07:42 AM Re: Insurance options [Re: patriot07]
Texas Dan Offline
THF Celebrity

Registered: 07/28/08
Posts: 13277
Originally Posted By: patriot07
Originally Posted By: DLALLDER
Ever wonder if the home owners policy covers the accessories such as scopes, slings even if guns are not after a certain amount. I wonder why they will cover a $5000 tv set but no guns, a $3500 dress but no guns, 2 or 3 $2500 computers or laptops but no guns, a $20000 dining room suite but no guns??? Anyone know the answer????
They cover guns, but only after a large deductible, and sometimes there is a limit to how much value in guns they will cover (because you could claim to own some really high-value pieces with no way for the insurance company to really know one way or another if you're telling the truth). Also, your TV or other stuff getting stolen probably means your whole house was broken into and you'd easily meet the deductible. That's not necessarily always the case with guns.

There are quite a few benefits to the rider, and it's only about $10-$15 a month for that peace of mind for $10k in coverage, which I think is what I have for my combined gun/camera value.


Without the rider, coverage for firearms on my policy with Allstate was $2000 maximum.
_________________________
Dan,

Spring, Texas

Top
Page 1 of 2 1 2 >



© 2004-2018 OUTDOOR SITES NETWORK all rights reserved USA and Worldwide