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Mar 25th, 2012
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Additional homeowners insurance for firearms #6940776
10/31/17 03:42 PM
10/31/17 03:42 PM
Joined: Jul 2008
Posts: 13,859
T
Texas Dan Offline OP
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Texas Dan  Offline OP
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Joined: Jul 2008
Posts: 13,859
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
Re: Additional homeowners insurance for firearms [Re: Texas Dan] #6940782
10/31/17 03:46 PM
10/31/17 03:46 PM
Joined: Nov 2012
Posts: 9,425
Lubbock, TX
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QuitShootinYoungBucks Offline
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QuitShootinYoungBucks  Offline
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Joined: Nov 2012
Posts: 9,425
Lubbock, TX
what company?




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
10/31/17 03:50 PM
Joined: Sep 2009
Posts: 13,885
Lewisville, TX
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ChadTRG42 Offline
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ChadTRG42  Offline
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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.



Custom and Precision Ammunition!!
www.DallasReloads.com
Type 01 and Type 06 FFL
Re: Additional homeowners insurance for firearms [Re: Texas Dan] #6940821
10/31/17 04:04 PM
10/31/17 04:04 PM
Joined: Jun 2009
Posts: 2,627
Houston
K
Korean Redneck Offline
Veteran Tracker
Korean Redneck  Offline
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K

Joined: Jun 2009
Posts: 2,627
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.

Re: Additional homeowners insurance for firearms [Re: Texas Dan] #6941042
10/31/17 06:30 PM
10/31/17 06:30 PM
Joined: Jun 2011
Posts: 14,263
Frisco, Texas
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Buzzsaw Offline
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Buzzsaw  Offline
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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


Re: Additional homeowners insurance for firearms [Re: Texas Dan] #6941438
10/31/17 11:39 PM
10/31/17 11:39 PM
Joined: Dec 2009
Posts: 2,509
Prosper, TX
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Big Fitz Offline
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Big Fitz  Offline
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Prosper, TX
I will need more insurance when uncle Buzz starts gifting me some of those high dollar custom rifles! banana2


Originally Posted By: syncerus
I prefer to think of myself as a control enthusiast. wink
Re: Additional homeowners insurance for firearms [Re: Texas Dan] #6941586
11/01/17 01:45 AM
11/01/17 01:45 AM
Joined: Nov 2010
Posts: 952
Eustace, TX
M
Marc K Offline
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Marc K  Offline
Tracker
M

Joined: Nov 2010
Posts: 952
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.
Re: Additional homeowners insurance for firearms [Re: QuitShootinYoungBucks] #6941643
11/01/17 02:41 AM
11/01/17 02:41 AM
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Posts: 13,859
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Texas Dan Offline OP
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Texas Dan  Offline OP
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Originally Posted By: QuitShootinYoungBucks
what company?


Allstate


Dan,

Spring, Texas
Re: Additional homeowners insurance for firearms [Re: Texas Dan] #6943214
11/02/17 09:52 AM
11/02/17 09:52 AM
Joined: Aug 2011
Posts: 2,125
Ben Wheeler,Tx
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pigplinker Offline
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Ben Wheeler,Tx
Good topic. I'll have to check my policy. Thanks Texas Dan for bringing this up. up

Re: Additional homeowners insurance for firearms [Re: pigplinker] #6943741
11/02/17 04:58 PM
11/02/17 04:58 PM
Joined: Sep 2016
Posts: 17
D
Dan S. Offline
Light Foot
Dan S.  Offline
Light Foot
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Joined: Sep 2016
Posts: 17
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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