homeowners insurance


May 2, 2005, 02:49 PM
I'm buing a house and looking for homeowners insurance. I got one quote from GEICO and thought it was a little high so I called AMERIC. They had really good ratings from JD Power. After answering all the questions I was told they would not give me a quote because of the number of guns I owned. I couldn't believe it. Has anyone else run into this?

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pete f
May 2, 2005, 03:18 PM
Try farmer ins of ill. i have to have a seperate rider for the guns, but that was not that much, based on declared value. the "topic" of the rider is not stated on the policy but rather is listed as "excepted items" which could be art, collectables, anything, which i feel reduces the possibility for my house to be a higher risk target for theft if someone decided to hack the ins company puter, another possiblity it to get that insurance you were asking about but insure the guns somewhere else as a seperate policy. I never disclose the number or value of the firearms i have, I would call an agent and say you have a lot of "collectables' and would list the as that if they ask further, tell them historical and military items. that should suffice.

May 2, 2005, 03:30 PM
If your Active duty, Guard, Reserve or retired military then USAA would be worth a look.

I didnt have to get a rider for my gun collection. It is covered up to $4,000 to which I am still a couple of thousand short of that.

May 2, 2005, 03:41 PM
There is some insurance company that gives discounts to NRA members but I can't remember which one. Even if you're not a member it might be worth it to just check into their rates.

brad cook

May 2, 2005, 03:47 PM
Just by being a member of the NRA, you are covered for $1000.

There is some other company that they have ads for all the time in the magazines that does offer coverage.

John Ross
May 2, 2005, 04:02 PM

SAFECO and Firemen's Fund both have such policies.


Bayou Boy
May 2, 2005, 04:11 PM
Try http://www.collectinsure.com/

This is insurance on top of your normal homeowners policy.
When I saw that mine only covered $2000 and realized that I have single guns worth more then that I started looking around.
Extremely reasonable rates.
I was turned on to them by the guy that sold me my safe.

May 2, 2005, 04:28 PM
Even if you insure your guns for a billion dollars and pay your premiums regularly you will not get one thin dime without photographs, serial numbers receipts and apprasials.

I found out the hard way last year when contractors working in my home
stole all the jewelry and cameras.

Blue Line
May 2, 2005, 04:45 PM
USAA will cover you even if your out of the military now.
I think I have a rider from USAA cause they have limit on the dollar value and you have to have the rider to cover overage.
Try State Farm - with a rider

May 2, 2005, 04:54 PM
I would call an agent and say you have a lot of "collectables' and would list the as that if they ask further, tell them historical and military items. that should suffice You can tell them anything you want to get a policy and to get a lower rate, but when it comes time to collect on the policy, they're only going to pay you on what you told them. If the policy limits the number of guns they will cover to 3, you can call them anything you want when you're getting your policy written, but they aren't going to pay a claim for 6.

May 2, 2005, 06:12 PM
Try USAA just like Lennyjoe said. I think you can still qualify for USAA if you are the child of an armed services member/veteran, even though you may not hvae served yourself. I have USAA for everything. Never a problem, always great coverage.

May 2, 2005, 07:56 PM
Sentry is another pro-gun insurance company.
Stay away from Snake Farm and Prudential. They're hostile toward gun ownership. :fire:

May 3, 2005, 09:54 AM
Lenny, I didn't think USAA did homeowners. I gave them a call things went smoothly and I added a rider for more coverage in case of theft. Theft is the only time the $$ limit comes into play for them. Oh yea, they were cheaper than everyone else I talked to also. Once again thanks for the heads up.

May 3, 2005, 10:44 AM
USAA now sells it's products to all, not just active and retired military. Their insurance is good, but their mortgage division is a bit of a train wreck.

May 3, 2005, 08:31 PM
Guy I work with had the same thing happen when he said he had dogs.No pitts or rots just mutts.

May 3, 2005, 08:34 PM
My home owners policy with Westfield only covers $1000 worth of guns then I had to buy riders at $20 per $1000. I think that is beginning to be more and more of a standard thing.

May 3, 2005, 10:45 PM
Lenny stands and salutes the moniter. :D

M2 Carbine
May 3, 2005, 11:36 PM
I haven't had trouble with the loss of guns or gun stuff so far.

I had a shop fire that was a loss of over $24,000 of gun stuff including 7 guns. The insurance company paid every cent of replacement value. Much of the stuff was totally destroyed with no proof that it was there except my word and a couple random pictures of the shop.

This year for the first time I'm with Allstate. I asked them about my guns since they are in the many thousand dollar range. They asked if I kept records on them, pictures numbers, etc. Of course I said, Of course.
They said any loss will be paid at replacement value. :)

Take pictures of EVERYTHING in and around your house and put them somewhere safe.

Just a couple snap shots of the inside of my shop turned out to be worth many thousands of dollars of no hassle insurance money.

A $24,000 junk pile.

Bayou Boy
June 27, 2005, 11:12 PM
Hey M2

Read your policy. I'm with Allstate too. It doesn't matter what the agent says. That isn't in writing. Your policy is. Mine says only a couple of thousand for firearms. Same thing for jewelry.

Not trying to contradict. Just don't want someone to think they are covered and not be. ;)

Zach S
June 28, 2005, 08:38 AM
I got one quote from GEICO
first mistake...

June 28, 2005, 10:00 AM
I haven't noticed any hostility towards my firearms from State Farm.

My renter's policy needed no additional rider for firearms coverage- they ask how much value in them you have, just as they do for jewelry, electronics, and other collectibles. The additional increased limits for personal liability even cover me with my CCW.

June 28, 2005, 10:02 AM
first mistake

I have been with Geico for 14 years as far as auto insurance goes but so far I am very happy with USAA for homeowners insurance.

June 28, 2005, 10:36 AM
It's not a question of "hostilty" to firearms. Firearms hostility would be to offer no coverage of any kind for firearms. That's not usually the case. Firearms are value dense. A deer rifle, a duck shotgun and a .22 are what most folks have and most insurance companies don't balk at $1,000 in guns, but when it get's into what most of us have your into collection territory and almost all of them require a rider to cover you. A buddy of mine was just burgled and has Provident. They cover up to $2,000 and anything above that requires a rider. He didn't have one. I've got State Farm and am supposed to be good for $2,500. I've got a rider for my gun "collection" just like my wife has her china/crystal collection covered. A buddy of mine that deals NFA has Farm Bureau and says they cover everything of his ($100,000+) without a rider (I did tell him he needed to verify in his policy that this was the case).

I wouldn't want my premiums to help pay for someone's personal race car collection any more than I expect someone to want to pay for my firearms collection.

June 28, 2005, 10:51 AM
In 1999 I had a burglary which resulted in many things being taken; most importantly of which were five weapons.

Farmers never once questioned my claims and I had no photos, serial numbers or receipts (never thought back in the 70s and 80s to keep all of that stuff).

Since then they have never asked me for another cent (they never increased my premiums even though my total claim was over $5000) nor have they ever made comment on my possession of guns.

In short I've had no complaints about them.

I might, however, consider changing companies only if I could get equal coverage and service at a justifiable decrease in premium payments.

BTW, one gun was found at a pawn shop by a task force and, because, in Arizona, the pawn shop has a greater weight of ownership than I did because Farmers settled on the original burglary, Farmers graciously signed and gave me a letter relinquishing their claim rights to the gun to me so I could go and claim it and get it back.

I'm not sure how many other insurance companies would do that or even care if you ever got a reimbursed item back.

June 28, 2005, 10:59 AM
How does one go about getting a firearm appraised?

Standing Wolf
June 28, 2005, 06:20 PM
My home owners policy with Westfield only covers $1000 worth of guns then I had to buy riders at $20 per $1000. I think that is beginning to be more and more of a standard thing.

It is.

Farmers' Insurance still covers my house because it didn't demand a list of makes, models, and serial numbers of my firearms.

American Family got my car insurance business because its rates were considerably lower than Farmers', but didn't get my house insurance because it demanded that I register my guns.

State Farm tried to avoid paying off a claim when I had some firearms stolen quite a few years ago. I had to contact my state attorney general's office. I'll never do business with that bunch of wannabe thieves again!

June 28, 2005, 06:31 PM
My homeowners (via Grange) doesn't seem to care, but here's a laugher...

They have a specific rule against... TRAMPOLINES ?? :eek:

I could have a GE Minigun tucked in the attic, and it wouldn't bother them a bit, but were I to put a trampoline in the yard, they'd dump me? :scrutiny:

Insurance companies are straaaange.
Shop around tho, only way to get the coverage you want.


June 28, 2005, 07:45 PM
Trampolines are more hazardous than firearms in the home is why the won't cover them. On a percentage basis of trampolines in homes and firearms in homes a trampoline is far more likely to result in death or permanent injury than the gun.

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