[Marshall]

What companies have reasonably priced riders?

Thanks.

[Lennyjoe]

USAA covers up to $4000 in guns without adding a rider. If your collection is valued above that then yes, a higher coverage is available.

[CB900F]

Marshall;

The least expensive firearms insurance that I know of is the $2,500.00 coverage that comes with your NRA membership. Not 'available to members'; with.

Over & above that, I choose safe, but then I'm in that business.

900F

[Third_Rail]

USAA is only for $2,000 if you're using renter's insurance and not homeowner's.

[Igloodude]

And the USAA reps I've talked to have been as casual about firearm riders as they have with waterbed riders.

But, I think you have to be full-time military to sign up with USAA, or have they changed that?

[Falconeer]

But, I think you have to be full-time military to sign up with USAA, or have they changed that?
I believe retired/discharged military, as well as children of members qualify. That's how I got in; my grandfather is a retired colonel, Army Corp of Engineers and a USAA member, so my father joined, and because he's a member I qualified. :p When I was in the military USAA was officers only. I've been a member since 1989.

Check here (https://www.usaa.com/inet/gas_corp/CpMemberEligibility) to find out if you're eligible for membership.

USAA (http://www.usaa.com) is one of the finest organizations I've ever had the pleasure of dealing with. My car loans, insurance (car, life, & home), IRA, checking/savings accounts and Mastercard are through them. As with the gun insurance, the benefits rock. :)

[panhandlepr]

I have State Farm Insurance on my home and have a rider through them for my firearms. I just looked up the cost and it is $101.46 every 6 months for a coverage of $22,500. I feel this is a reasonable charge for the coverage I have. I have to supply them with a list of firearms covered with the discriptions and serial numbers.

[waterhouse]

USAA is one of the finest organizations I've ever had the pleasure of dealing with. My car loans, insurance (car, life, & home), IRA, checking/savings accounts and Mastercard are through them. As with the gun insurance, the benefits rock.

+1. If you or your parents ever served in the armed forces and you are not a USAA member it is more than worth the trouble to try and join. Once you are a member it gets "passed around" pretty easily, so your spouse and children can become members too, and then your grandchildren, etc.

[EOD Guy]

Retired military are not eligible for USAA membership or insurance.

[Third_Rail]

I'm a USAA member because my mother (Lt. Cdr., retired from the Coast Guard) joined when she was active in the military.

[Marshall]

Thank you all for your responses.

[Falconeer]

Retired military are not eligible for USAA membership or insurance.
You may want to look into it. The eligibility web pages have a slot for retired military. It asks retirement date, officer/enlisted, rank at seperation, etc.

[mormonsniper]

USAA (http://www.usaa.com) is one of the finest organizations I've ever had the pleasure of dealing with. My car loans, insurance (car, life, & home), IRA, checking/savings accounts and Mastercard are through them. As with the gun insurance, the benefits rock. :)[/QUOTE]

+1
All in with USAA. Auto, Home, Brokerage including custodial accounts for the grandkiddos.



ms

[cowboy77845]

AFIA has better firearm coverage IMO. I could not affrord the USAA firearms rider. Would have preferred USAA but no dice.

[bblumen]

Check collectinsure.com...looks like good coverage for a reasonable price.

Brian B

[Rexrider]

Allstate's home owner's insurance includes up to $5,000 for firearms. No information on the firearms is required.

I don't know what the cost is for coverage over 5K.

[Marshall]

Well, I have just gone through a divorce and have had to move into an apartment for a while. My guns came with me so I needed to do something about it.

I checked into USAA and I do not qualify even though my dad was in Korea. He was not a commissioned officer and as I understand it from USAA's rep, they must have been.

I wrote State Farm a check today for a small $20,000 personal property and $300,000 liability policy that encompasses $2,500 in firearms. A measly $8 bucks upped it to $5,000. The whole policy was $230 for a year. Not too bad. It won't cover all my guns but for now it beats nothing. I'm storing some at my folks house until I move somewhere permanent, or less temporary. Frankly I didn't want all my eggs in one basket.


Thanks again. Maybe this info will in turn help someone else who's renting.

[VirgilCaine]

I have State Farm Insurance on my home and have a rider through them for my firearms. I just looked up the cost and it is $101.46 every 6 months for a coverage of $22,500. I feel this is a reasonable charge for the coverage I have. I have to supply them with a list of firearms covered with the discriptions and serial numbers.

Wow, that's seems like excellent coverage for an excellent price. Say, another $100-$200 for a gun safe and your guns are relatively secure.

[Falconeer]

I checked into USAA and I do not qualify even though my dad was in Korea. He was not a commissioned officer and as I understand it from USAA's rep, they must have been.
Bummer! Is your father still around? He may be able to apply, and then you'd be eligible. YMMV

I wrote State Farm a check today for a small $20,000 personal property and $300,000 liability policy that encompasses $2,500 in firearms. A measly $8 bucks upped it to $5,000. The whole policy was $230 for a year. Not too bad. It won't cover all my guns but for now it beats nothing. I'm storing some at my folks house until I move somewhere permanent, or less temporary. Frankly I didn't want all my eggs in one basket.


Thanks again. Maybe this info will in turn help someone else who's renting.
Definately a good buy. Congrats on finding the coverage!

[SSN Vet]

if you can get it...it's the best (according to Consumer Reports).

Used to be Officers only....they opened it up to all active duty members a couple years back.

[Marshall]

Bummer! Is your father still around? He may be able to apply, and then you'd be eligible. YMMV

No, he's not. I lost him in a plane crash in '72, I was 13 at the time. I'm satisfied with the State Farm deal and have a little peace of mind now so I'm good to go. :)