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Gun Insurance #8130771 01/15/21 08:58 PM
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jr22dad Offline OP
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I am sure this has been discussed in the past and I have used the search button above, but i still cant seem to find.

I figure some of you guys have insurance on your guns and scopes. I found out my HO really doesn't cover but a very small percentage. I have reached out to Lockton through NRA, but was looking for more referrals. TIA

Re: Gun Insurance [Re: jr22dad] #8130823 01/15/21 09:45 PM
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Your insurance company didn't offer a rider to cover the guns? Mine did and it was pretty cheap.


Silver spurs and gold tequila
keep me hanging on.
Pretty girls and old cantinas
give me shelter from the storm.
Re: Gun Insurance [Re: Texan Til I Die] #8130950 01/15/21 10:46 PM
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Originally Posted by Texan Til I Die
Your insurance company didn't offer a rider to cover the guns? Mine did and it was pretty cheap.


Agent is in the process of getting a quote from them? I just figure someone that insures guns for a living would have better pricing

Re: Gun Insurance [Re: jr22dad] #8131155 01/16/21 01:05 AM
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I use this company, they cover all your stuff. Guns - Scopes - Accessories - Knives - Reloading equipment & supplies. Been using them for years.

https://collectinsure.com/guns

Re: Gun Insurance [Re: jr22dad] #8131165 01/16/21 01:10 AM
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I asked my insurance agent about guns he said they would be covered under my contents insurance.


It's hell eatin em live
Re: Gun Insurance [Re: redchevy] #8131179 01/16/21 01:20 AM
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Originally Posted by redchevy
I asked my insurance agent about guns he said they would be covered under my contents insurance.

Most homeowners insurance will cover firearms, but typically with pretty low maximum amounts.
I think a NRA membership covers a certain amount- it used to.


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Re: Gun Insurance [Re: redchevy] #8131273 01/16/21 02:32 AM
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Originally Posted by redchevy
I asked my insurance agent about guns he said they would be covered under my contents insurance.


And mine does, but only up to a certain amount and it falls wayyyy short

Re: Gun Insurance [Re: TX_LT230FH] #8131278 01/16/21 02:34 AM
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Originally Posted by TX_LT230FH
Originally Posted by redchevy
I asked my insurance agent about guns he said they would be covered under my contents insurance.

Most homeowners insurance will cover firearms, but typically with pretty low maximum amounts.
I think a NRA membership covers a certain amount- it used to.


It does not anymore

Re: Gun Insurance [Re: Txhillbilly] #8131294 01/16/21 02:48 AM
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Originally Posted by Txhillbilly
I use this company, they cover all your stuff. Guns - Scopes - Accessories - Knives - Reloading equipment & supplies. Been using them for years.

https://collectinsure.com/guns


Thank you sir. I pulled a quote online and it is very satisfactory to me. I dont know if they will give you a break for a referral, but if you want to PM me your info, I will sure try for ya.

Re: Gun Insurance [Re: Txhillbilly] #8131435 01/16/21 05:21 AM
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Originally Posted by Txhillbilly
I use this company, they cover all your stuff. Guns - Scopes - Accessories - Knives - Reloading equipment & supplies. Been using them for years.

https://collectinsure.com/guns


Have used them as well for a few years. Price wasn't too bad.

Re: Gun Insurance [Re: jr22dad] #8131792 01/16/21 05:42 PM
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Most homeowners policies cover your guns etc under personal possessions, contents - but they are generally subject to your 1%, or more, deductible. Get a $1500 gun stolen from your pickup and you have $300,000 covg on your home with 1% deductible - your out of luck.
You can get affordable coverage for all your firearms, optics etc. with an Inland marine policy. Premium is based on value and deductible, which you determine. Any antique/collector firearms might have to be appraised. PM me for more info

Re: Gun Insurance [Re: jr22dad] #8131921 01/16/21 09:00 PM
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Reach out to Varmintslayer on here as well. He is with Texas Farm Bureau . They would be covered by personal property on Home insurance subject to 1% deductible or. $250. Deductible on inland marine.


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Re: Gun Insurance [Re: jr22dad] #8131944 01/16/21 09:55 PM
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I also use Collect Insure. Very reasonable premiums, doesn't require itemizing unless you have something over $5k (I think that's the limit...).

Re: Gun Insurance [Re: Texan Til I Die] #8133201 01/18/21 04:10 AM
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Originally Posted by Texan Til I Die
Your insurance company didn't offer a rider to cover the guns? Mine did and it was pretty cheap.


I went that route as well.

Not sure if guns included in a rider policy are also covered if stolen from your vehicle. Many years ago my homeowner's insurance paid me for tools that were stolen from my truck because they were usually stored at my home. This may also be a case where having auto and home insurance from the same company could offer that protection.

Definitely a question for your agent.


Dan

Re: Gun Insurance [Re: jr22dad] #8133284 01/18/21 12:44 PM
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Isn't anyone concerned with giving a list of guns that you own to someone or us that not required in order to get the rider?


5303

Re: Gun Insurance [Re: TXHOGSLAYER] #8133301 01/18/21 01:14 PM
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Originally Posted by TXHOGSLAYER
Isn't anyone concerned with giving a list of guns that you own to someone or us that not required in order to get the rider?


Would you be concerned if your guns were lost in a fire or stolen? Imagine having a LARGE collection and being SOL when you DON'T have insurance. Just sayin...


Initial Success or Total Failure

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Re: Gun Insurance [Re: TXGUNNER308] #8133367 01/18/21 01:51 PM
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Originally Posted by TXGUNNER308
Originally Posted by TXHOGSLAYER
Isn't anyone concerned with giving a list of guns that you own to someone or us that not required in order to get the rider?


Would you be concerned if your guns were lost in a fire or stolen? Imagine having a LARGE collection and being SOL when you DON'T have insurance. Just sayin...


So you are not concerned. Hot it. Anyone else?


5303

Re: Gun Insurance [Re: TXHOGSLAYER] #8133417 01/18/21 02:08 PM
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Originally Posted by TXHOGSLAYER
Originally Posted by TXGUNNER308
Originally Posted by TXHOGSLAYER
Isn't anyone concerned with giving a list of guns that you own to someone or us that not required in order to get the rider?


Would you be concerned if your guns were lost in a fire or stolen? Imagine having a LARGE collection and being SOL when you DON'T have insurance. Just sayin...


So you are not concerned. Hot it. Anyone else?


I did not say that. Pick your poison...uninsured or insured!


Initial Success or Total Failure

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Re: Gun Insurance [Re: TXGUNNER308] #8133428 01/18/21 02:12 PM
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Originally Posted by TXGUNNER308
Originally Posted by TXHOGSLAYER
Originally Posted by TXGUNNER308
Originally Posted by TXHOGSLAYER
Isn't anyone concerned with giving a list of guns that you own to someone or us that not required in order to get the rider?


Would you be concerned if your guns were lost in a fire or stolen? Imagine having a LARGE collection and being SOL when you DON'T have insurance. Just sayin...


So you are not concerned. Hot it. Anyone else?


I did not say that. Pick your poison...uninsured or insured!


Oh. Well in that case, way to take a yes or no question and refuse to answer. Are you related to TB and NP? roflmao


5303

Re: Gun Insurance [Re: jr22dad] #8133449 01/18/21 02:25 PM
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^^^ You're just another tool-belt running his head.


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Re: Gun Insurance [Re: Alloutdoors] #8133479 01/18/21 02:37 PM
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Originally Posted by Alloutdoors
Most homeowners policies cover your guns etc under personal possessions, contents - but they are generally subject to your 1%, or more, deductible. Get a $1500 gun stolen from your pickup and you have $300,000 covg on your home with 1% deductible - your out of luck. You can get affordable coverage for all your firearms, optics etc. with an Inland marine policy. Premium is based on value and deductible, which you determine. Any antique/collector firearms might have to be appraised. PM me for more info


Pretty much on point. Some companies utilize a theft limit on guns. Typically see that at $2,500 per occurrence and not per gun. Some will allow you to increase that limit. Pretty certain, State Farm, Liberty Mutual, Safeco, Farmers, Allstate, USAA
all utilize this limitation. Germania (for certain), Hochheim Prairie and Texas Farm Bureau likely do not have this language, but you will need to check for yourself.

Have one gun stolen from your truck and it likely will be under the deductible on your home insurance. The answer there is to not get one stolen from your vehicle.

Please note - all policies have limitations for certain items such as cash, bullion, jewelry and other items which should be "quantified" prior to loss.

Re: Gun Insurance [Re: TXGUNNER308] #8133609 01/18/21 03:40 PM
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Originally Posted by TXGUNNER308
^^^ You're just another tool-belt running his head.



Thanks for the gibberish, NP.


5303

Re: Gun Insurance [Re: TXHOGSLAYER] #8133610 01/18/21 03:41 PM
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Originally Posted by TXHOGSLAYER
Originally Posted by TXGUNNER308
^^^ You're just another tool-belt running his head.



Thanks for the gibberish, NP.


No problem, DB.


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Re: Gun Insurance [Re: TXHOGSLAYER] #8134080 01/18/21 09:32 PM
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Originally Posted by TXHOGSLAYER
Isn't anyone concerned with giving a list of guns that you own to someone or us that not required in order to get the rider?


Collect/Insure does not require you to provide a list of guns you own. You only have to schedule any gun worth over $5k, and insure for the total amount.

Re: Gun Insurance [Re: DocHorton] #8134245 01/18/21 11:25 PM
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Originally Posted by DocHorton
Originally Posted by TXHOGSLAYER
Isn't anyone concerned with giving a list of guns that you own to someone or us that not required in order to get the rider?


Collect/Insure does not require you to provide a list of guns you own. You only have to schedule any gun worth over $5k, and insure for the total amount.



That's surprising since I can't see any insurance company insuring anything without proof that it exists.


Dan

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