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Feb 12th, 2024
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 Insurance options
#7153364
04/27/18 01:42 PM
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Joined: May 2007
Posts: 5,496
TX_LT230FH
OP
THF Trophy Hunter
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OP
THF Trophy Hunter
Joined: May 2007
Posts: 5,496 |
Curious as to what everyone does- homeowners has pretty low limits on firearms coverage.
NRA "free" limit is 2500$.
Any suggestions?
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Re: Insurance options
[Re: TX_LT230FH]
#7153366
04/27/18 01:46 PM
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Joined: Sep 2006
Posts: 32,479
kmon11
junior
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junior
Joined: Sep 2006
Posts: 32,479 |
Added in a rider on the homeowners insurance for the guns.
lf the saying "Liar, Liar your pants on fire" were true
Mainstream news might be fun to watch
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Re: Insurance options
[Re: TX_LT230FH]
#7153384
04/27/18 02:08 PM
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Joined: Sep 2009
Posts: 4,571
Gumbeaux
Extreme Tracker
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Extreme Tracker
Joined: Sep 2009
Posts: 4,571 |
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.
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Re: Insurance options
[Re: TX_LT230FH]
#7153412
04/27/18 02:33 PM
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Joined: Feb 2008
Posts: 450
cullbuck
Bird Dog
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Bird Dog
Joined: Feb 2008
Posts: 450 |
+1 for Cody with Farm Bureau.
He helped me out also.
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Re: Insurance options
[Re: TX_LT230FH]
#7153420
04/27/18 02:46 PM
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Joined: Sep 2010
Posts: 7,133
SR025
THF Trophy Hunter
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THF Trophy Hunter
Joined: Sep 2010
Posts: 7,133 |
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Re: Insurance options
[Re: TX_LT230FH]
#7153449
04/27/18 03:19 PM
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Joined: Nov 2011
Posts: 4,560
patriot07
Extreme Tracker
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Extreme Tracker
Joined: Nov 2011
Posts: 4,560 |
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.
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Re: Insurance options
[Re: TX_LT230FH]
#7153570
04/27/18 05:47 PM
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Joined: May 2007
Posts: 5,496
TX_LT230FH
OP
THF Trophy Hunter
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OP
THF Trophy Hunter
Joined: May 2007
Posts: 5,496 |
What documentation do they request for a rider? Full descriptions, serial numbers, photos? This policy says no serial numbers required: ArmsCare
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Re: Insurance options
[Re: TX_LT230FH]
#7154197
04/28/18 04:49 PM
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Joined: Jan 2010
Posts: 1,269
Grendel 6.5
Pro Tracker
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Pro Tracker
Joined: Jan 2010
Posts: 1,269 |
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.
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Re: Insurance options
[Re: TX_LT230FH]
#7154289
04/28/18 08:20 PM
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Joined: Jun 2009
Posts: 1,869
jlsbassman
Pro Tracker
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Pro Tracker
Joined: Jun 2009
Posts: 1,869 |
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.
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Re: Insurance options
[Re: jlsbassman]
#7154321
04/28/18 09:05 PM
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Joined: Jul 2008
Posts: 22,251
Texas Dan
THF Celebrity
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THF Celebrity
Joined: Jul 2008
Posts: 22,251 |
A $10K rider cost me $155 a year
"Some people will never like you because your spirit irritates their demons."
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Re: Insurance options
[Re: TX_LT230FH]
#7154943
04/29/18 08:30 PM
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Joined: Nov 2005
Posts: 5,306
DLALLDER
THF Trophy Hunter
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THF Trophy Hunter
Joined: Nov 2005
Posts: 5,306 |
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.
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Re: Insurance options
[Re: TX_LT230FH]
#7154969
04/29/18 09:03 PM
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Joined: Jan 2009
Posts: 2,044
HicksHunter
Veteran Tracker
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Veteran Tracker
Joined: Jan 2009
Posts: 2,044 |
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...
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Re: Insurance options
[Re: TX_LT230FH]
#7156266
05/01/18 08:14 AM
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Joined: Mar 2011
Posts: 2,062
Toxarch
Veteran Tracker
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Veteran Tracker
Joined: Mar 2011
Posts: 2,062 |
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
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Re: Insurance options
[Re: DLALLDER]
#7156343
05/01/18 12:20 PM
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Joined: Nov 2011
Posts: 4,560
patriot07
Extreme Tracker
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Extreme Tracker
Joined: Nov 2011
Posts: 4,560 |
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.
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Re: Insurance options
[Re: patriot07]
#7156362
05/01/18 12:42 PM
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Joined: Jul 2008
Posts: 22,251
Texas Dan
THF Celebrity
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THF Celebrity
Joined: Jul 2008
Posts: 22,251 |
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.
"Some people will never like you because your spirit irritates their demons."
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Re: Insurance options
[Re: Toxarch]
#7156377
05/01/18 12:58 PM
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Joined: Nov 2010
Posts: 27,091
Nogalus Prairie
THF Celebrity
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THF Celebrity
Joined: Nov 2010
Posts: 27,091 |
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.
I learned long ago you can't reason someone out of something they don't reason themselves into.
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Re: Insurance options
[Re: kmon11]
#7156573
05/01/18 03:11 PM
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Joined: Nov 2013
Posts: 1,102
Bbear
Pro Tracker
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Pro Tracker
Joined: Nov 2013
Posts: 1,102 |
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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