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Mar 25th, 2012
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Insurance options #7153364
04/27/18 01:42 PM
04/27/18 01:42 PM
Joined: May 2007
Posts: 4,550
North Dallas
TX_LT230FH Offline OP
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North Dallas
Curious as to what everyone does- homeowners has pretty low limits on firearms coverage.
NRA "free" limit is 2500$.
Any suggestions?


Re: Insurance options [Re: TX_LT230FH] #7153366
04/27/18 01:46 PM
04/27/18 01:46 PM
Joined: Sep 2006
Posts: 23,876
Texas
kmon1 Online shocked
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Posts: 23,876
Texas
Added in a rider on the homeowners insurance for the guns.

Re: Insurance options [Re: TX_LT230FH] #7153384
04/27/18 02:08 PM
04/27/18 02:08 PM
Joined: Sep 2009
Posts: 3,160
Georgetown
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Gumbeaux Offline
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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.

Re: Insurance options [Re: TX_LT230FH] #7153412
04/27/18 02:33 PM
04/27/18 02:33 PM
Joined: Feb 2008
Posts: 222
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cullbuck Offline
Woodsman
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+1 for Cody with Farm Bureau.
He helped me out also.

Re: Insurance options [Re: TX_LT230FH] #7153420
04/27/18 02:46 PM
04/27/18 02:46 PM
Joined: Sep 2010
Posts: 6,064
DFW
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SR025 Offline
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Yep Cody is awesome

Re: Insurance options [Re: TX_LT230FH] #7153449
04/27/18 03:19 PM
04/27/18 03:19 PM
Joined: Nov 2011
Posts: 2,592
Royse City, TX
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patriot07 Offline
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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.

Re: Insurance options [Re: TX_LT230FH] #7153570
04/27/18 05:47 PM
04/27/18 05:47 PM
Joined: May 2007
Posts: 4,550
North Dallas
TX_LT230FH Offline OP
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What documentation do they request for a rider? Full descriptions, serial numbers, photos?

This policy says no serial numbers required:

ArmsCare


Re: Insurance options [Re: TX_LT230FH] #7154197
04/28/18 04:49 PM
04/28/18 04:49 PM
Joined: Jan 2010
Posts: 1,269
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Grendel 6.5 Offline
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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.
Re: Insurance options [Re: TX_LT230FH] #7154289
04/28/18 08:20 PM
04/28/18 08:20 PM
Joined: Jun 2009
Posts: 663
Royse City
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jlsbassman Offline
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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.

Re: Insurance options [Re: jlsbassman] #7154321
04/28/18 09:05 PM
04/28/18 09:05 PM
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Posts: 13,867
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Texas Dan Online content
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A $10K rider cost me $155 a year


Dan,

Spring, Texas
Re: Insurance options [Re: TX_LT230FH] #7154943
04/29/18 08:30 PM
04/29/18 08:30 PM
Joined: Nov 2005
Posts: 3,340
Pittsburg, Texas
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DLALLDER Offline
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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????

Last edited by DLALLDER; 04/29/18 08:34 PM.






Re: Insurance options [Re: TX_LT230FH] #7154969
04/29/18 09:03 PM
04/29/18 09:03 PM
Joined: Jan 2009
Posts: 1,666
Kerrville
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HicksHunter Offline
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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...

Re: Insurance options [Re: TX_LT230FH] #7156266
05/01/18 08:14 AM
05/01/18 08:14 AM
Joined: Mar 2011
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Parker County
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Toxarch Offline
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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
Re: Insurance options [Re: DLALLDER] #7156343
05/01/18 12:20 PM
05/01/18 12:20 PM
Joined: Nov 2011
Posts: 2,592
Royse City, TX
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patriot07 Offline
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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.

Re: Insurance options [Re: patriot07] #7156362
05/01/18 12:42 PM
05/01/18 12:42 PM
Joined: Jul 2008
Posts: 13,867
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Texas Dan Online content
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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
Re: Insurance options [Re: Toxarch] #7156377
05/01/18 12:58 PM
05/01/18 12:58 PM
Joined: Nov 2010
Posts: 25,246
Corsicana
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Nogalus Prairie Offline
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Originally Posted By: Toxarch
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.


Same as you do with furniture, TVs, computers, or any other “contents”. Keep video/photographic records and serial #s. Everyone should be doing this anyway on all contents.


Originally Posted By: Russ79
I learned long ago you can't reason someone out of something they don't reason themselves into.


Re: Insurance options [Re: kmon1] #7156573
05/01/18 03:11 PM
05/01/18 03:11 PM
Joined: Nov 2013
Posts: 953
West Texas
Bbear Offline
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Originally Posted By: kmon1
Added in a rider on the homeowners insurance for the guns.


^^^^^^
This

My policy I have a list w/ serial numbers and scopes. Even a description of the stocks since some are old Fajen's and Bishops and are custom.


[IMG][/IMG]

Pay it forward - Kids are the future.

Rifles are similar to boats and young women...there's no end to how much money you can pour into them without making them any more useful.
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