Firearm insurance


1 old 0311
May 26, 2007, 12:49 PM
I talked to my insurance guy Friday about getting extended coverage for my firearms. The price was $1.00 for $100 coverage. He did however want the seriel numbers of all my weapons. That I wasn't crazy about.
Anybody know what the NRA charges for extra coverage?

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May 26, 2007, 12:56 PM
It's a little more, I think $1.66 per $100. They don't ask any information about any guns valued under $1,500. FOr each gun valued over $1,500, they ask Make, Model, Grade, Mods & Accesssories, and the Value. You get $1,000 covered for free if you are an NRA member. It's offered through ArmsCare Plus.

May 26, 2007, 01:50 PM
NRA insurance +1.

May 26, 2007, 02:55 PM
State Farm offered me a $6K rider with my home owners, but for more coverage the wanted serial# which wasn't happening. I took the six and bought enough NRA coverage for the rest of my firearms.

May 26, 2007, 07:46 PM
Just out curiousity, why so worried about serial numbers? Its doubtful your agent is going to break in to try and rob you.

May 26, 2007, 07:49 PM
Those records can and will be requisitioned by agents of the state bearing a court order, or without a court order sometimes.
When they come around to confiscation there is no need to make it easy for 'em


May 26, 2007, 07:50 PM
I would agree that serial numbers are nobody's business but my own

May 26, 2007, 07:57 PM
On Thursday I called my home insurance provider to check out getting a high value rider on my firearms.

Most of the questions they asked - which didn't include serial numbers - were very reasonable. The question they asked that wasn't was:


I asked the lady on the phone - a very nice lady by the way - how the company defined an Assault Weapon? She had no clue.

I told her without knowing that I couldn't begin to answer the question honestly and thus getting additional coverage from them at this time was no longer an option. I suggested she feed back to her superiors that defining what an assualt weapon is to them could save them some legal hassles and ticked off customers later because right now there's no way anyone who has anything other than standard bolt action rifles and revolvers could honestly answer that question. If the company defines assault weapons the same way the media does then there could definitely be customer/company conflict in the future.

Then somehow we started talking about my dogs, laughed a bit about my half beagle - half great dane and concluded the call without doing business.

May 26, 2007, 07:58 PM
AAA said I needed to get renters insurance and then I would have to add the firearms coverage I could get 7500 bucks of coverage but they would want all info on my guns and pictures. It would be an extra 400 bucks per year and they wanted an appraisel done.

BTW does anyone have ARMSCARE?

May 26, 2007, 08:19 PM
I added my insurance to Geico's home owner's insurance policy, they don't ask about firearm models or serial numbers, you buy blanket coverage. In the event of a loss you have to prove ownership and value.

May 26, 2007, 08:21 PM
Nationwide offered me $5,000 worth of coverage, no serial numbers required.

Photos will do.

May 26, 2007, 08:51 PM

So is that $1.00 to 1.66 per hundred figure per year, semester, quarter, monthy, what? Can't compare apples to apples until we know the time frame involved on each quote.

A dollar per hundred per year is not too bad. Per month?


May 26, 2007, 09:47 PM
Try There are restrictions on what they cover, but if you have mostly safe queens, it's an option.

May 26, 2007, 09:50 PM
I've heard that the 1% to 2%, per year, is about the standard for insuring many types of items considered collectible.

I wouldn't be too concerned with them asking for serial numbers. It's more to do with preventing fraud than it is them wanting to create a database for government seizure.

My insurance company has requested the serial numbers to my cars, all of my commercial equipment, my computer, some cameras, electronics, firearms, and even slabbed coins. The government hasn't come to seize any of it yet.

May 26, 2007, 10:19 PM
Farm Bureau in Idaho was something like $128 for $15,000 in coverage a year.

I think there standard covers $3,500 in guns.

I don't have that many guns to need it but if anyone is interested they seemed to have good gun rates.

May 26, 2007, 10:19 PM
I just assume securely bolt a good, fireproof safe in your basement etc...a permanent fixture.

Even if it costs you 2K it beats tossing money out in insurance every year.

100K worth of rare guns? OK...Id seek insurance..the average guy with 5-15K worth? Id go with a good safe to last a lifetime.

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