NRA insurance


Jeff H
September 10, 2012, 01:05 PM
After talking with my insurance agent about raising my limit on firearms, I about choked when she told me how much my premiums would go up just to raise it a few thousand higher than it already is.

I got to thinking about what the NRA offers and it seems that they offer $2500 in coverage but I can't find any details of this insurance on their site. Does anyone know the specifics? Is it primary insurance, or only secondary after my homeowners is exhausted? Is it additive with my home owner's policy? i.e. 5K homeowners +$2500 NRA= $7500?

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September 10, 2012, 01:11 PM
I can tell you what I finally did and that was invest about $3,000 in my gun safe. If the house burns down it will likely be there and weighing in at 1 ton, lagged to a concrete floor, I do not see it going anywhere easily. We also keep all our important documents as well as my wife's jewelery in the thing.

When I get home I can look at my NRA paperwork as to their insurance if nobody post NRA information before this evening.


September 10, 2012, 01:21 PM
It is independent homeowners/renters needed. So if you have 5k worth of guns and you lose them all in a boating accident...2.5k could be covered by the NRA and the other 2.5k could be covered by your homeowners/renters.

Or if you only have 2.5k in guns, NRA could buy them all. In your example, yes homeowners + NRA you could have 7.5k in insurance

September 10, 2012, 01:28 PM
Second result from Google "NRA insurance coverage" search -

$2,500 of ArmsCare coverage with your NRA membership. This plan covers insured firearms, air guns, bows and arrows against theft, accidental loss, and damage. Insurance must be activated.

For purposes of insurance, NRA members must be current active members of the NRA whose name appears on the NRA membership list. Activation is required.

New and Enhanced insurance coverages through the NRA Endorsed Insurance Programs. Enroll on-line for Life, Health and Accident and Individual Property and Liability insurance or call Toll free 1-877-NRA-3006 (1-877-672-3006.) New Commercial Property Liability Insurance Program for NRA Affiliated Clubs and Business Alliance Members, visit on-line or call Toll Free 1-877-487-5407.

NO COST Entitlements Guaranteed to NRA Members Have Increased

As an NRA Member, your No Cost Benefits have increased by $1,500.00. But your Confirmation is REQUIRED in order to receive this benefit.

$2,500.00 NO COST ArmsCare Benefits:

Set up exclusively for NRA Members, ArmsCare gives you a safety net for your firearms. Your firearms are protected against theft (from your home or a locked portion of your vehicle) ... against loss (it could happen as quickly as an overturned duck boat) ... and against damage (from fire or flood for instance).

In addition, the NRA is pleased to announce that this exclusive No Cost NRA member benefit has recently increased from $1,000.00 to $2,500.00.

If you are an NRA member that has previously activated your $1,000.00 in ArmsCare, you will need to re-enroll online to activate this $1,500.00 coverage increase or else your coverage will remain at $1,000.00. This is required for all NRA members except those with Life status prior to 11/1/2010. Those who were lifetime NRA members prior to 11/1/2010 will receive this coverage increase automatically effective 11/1/2010. If you have not previously activated your No Cost Benfeits and would like to do so now, please click on the "Enroll Now" button and follow the enrollments steps. The increased coverage of $2,500 will be immediately activated at No Cost to you.

Of Course, no serial numbers are needed and you will not be asked to schedule any firearms.


All National Rifle Association members in good standing receive $2,500 of ArmsCare protection at no cost to them. To begin receiving this coverage members must activate their No Cost benefits by visiting the Benefits Activation Site.

But is $2,500 enough to cover your valuable firearms and accessories? For many sportsmen, it's not.

ArmsCare Plus Firearms Insurance provides NRA members with extra protection for their legal firearms and accessories up to $1,000,000 in coverage. Accessories include scopes, rings, mounts, slings and sling swivels, which are attached to the insured firearm.

ArmsCare Plus covers where most homeowners policies fall short. Firearms and accessories are protected against direct physical loss, damage, fire, and theft. Theft from a vehicle is covered when it is the result of breaking and entering a locked vehicle or locked portion of a vehicle.

A search doesn't reveal whether they pay after homeowner's or not, but most homeowner's insurance only covers a couple of thousand in firearms value. NRA does require proof of ownership when you file so you'll need that information if you ever need them.

Jeff H
September 10, 2012, 02:49 PM
HSO, I did do some searches and read everything the NRA had up on their site and I even checked my membership and the insurance is "activated", but that doesn't really answer the question I was asking.

September 10, 2012, 03:09 PM
I found it surprising that the insurance company didn't specify in their open portion what the details might be.

September 10, 2012, 03:28 PM
I had NRA insurance for years. I let it expire. I am going to call my insurance agent, and have a rider put on to cover me.

The NRA was about the same, maybe a little cheaper then the farmers insurance homeowners rider.

I am letting everything NRA go away. My training certificates, my membership insurance etc. BTW, to keep your NRA training certificates current, you don't do refresher training, you send the NRA $money$. What a load of crap.

I have a major problem with two of the NRA board members. Why they have to have wacko's on the board, is beyond my understanding. No reason to name names, I just think the NRA is more about the $dollar$ then principles. I also am not fond of their policial activities. You are either for who they endorse, or you are a liberal. Same thing I heard when I was forced into joining the labor union. Vote who we tell you to, or you are anti-union. What a bunch of crap.

I know that some here will disagree, but hey, its a free country right?

I will look at joining another gun owners group down the road. There is power in numbers.

Sorry for the NRA bash, just blowing of steam here. Either you love em, or you don't. Right now, I don't. NRA does lots of good. Just not my cup of tea. Free country right?

September 11, 2012, 10:19 PM
State Farm shut me down at 75K. (Still covered to that point, but not covered PAST that.)

I've been thinking about ArmsCare Plus (about the same as State Farm).

Anything else out there for large collections?

September 11, 2012, 11:29 PM
I wonder if we get $5,000 in coverage with the NRA policies since my wife and I are both members. I would think that would be the case but as the policy was written by lawyers I guess I need to read over it again.
I talked to my State Farm agent a few weeks ago about my guns. Our homeowner's policy is good for a few thousand but after that I need to buy additional coverage and they want a list. I don't really like that idea.

September 11, 2012, 11:53 PM
They'll want a list, and photos.

Once you hit about 40K or so they'll also insist on a security system that dials the police automatically, safes, etc.

Once you hit about 50K they'll start insisting on bars on the windows and reinforced doors. (No joke). I told them to ... well, what I told them isn't THR friendly. But it involved urine and a rope and a direction "upwards". I was issued the coverage.

They cut me off at 75k - they insisted on me turning my house in to a high security bank, having security guards, and so on, because obviously I'd passed the sensible amount for a collection and must be starting a museum, or something. (I'm being sarcastic here.)

No one will insure ammo or reloading supplies. Which is a problem if you collect ammo. (Equipment can be covered under your "sporting goods" rider, but that usually caps out at 5 or 10k, and includes all your OTHER sporting goods stuff).

We also hit a cap on electronics, with 5 kids all having computers, a couple of TV's, etc, we easily went over the maximum for electronics.

Insurance companies want your bucks, but they don't really want to protect you.

They're out to take your money and give you the false sense of security that has become so common in America today.

September 13, 2012, 05:53 AM
Collectibles Insurance Agency (
The price is reasonable. Less than $250 for 40K of coverage.
Check them out. I am a satisfied customer.

April 3, 2013, 08:59 PM
I filed a claim with my NRA insurance after my CAS guns were stolen out of my truck. Homeowners would have covered $2500 of a $3000+ loss, BUT I had a $3100 deductible. So I filed w/ NRA (who is a payor of last resort, as they put it.) I got the $1000 after jumping thru all their hoops and barely got my claim in within the 90 day limit from date of loss. That was in May 2010. Then in November 2010, they increased their standard limit to $2500 :fire: Got everything replaced except my dad's 1911 (we were shooting Wild Bunch that weekend) that I had inherited.

April 3, 2013, 11:42 PM
This is a brokerage run out of a Mass. Thrift. Two persons. Much lower premiums than homeowners or NRA. And well below collect insure. I pay much less for more coverage than the numbers above. Google and ask for Jack.

April 4, 2013, 07:22 AM
I have no personal experience with the NRA insurance but followed a thread on another fourm a few months ago where a guy tried to file a claim. Based on what I read there I would conclude their insurance is just short of a scam.

I know this is one of those, I heard it from my friends, cousins, girlfriend type of posts and the info may not be accurate. But I'd do a little more research before I'd depend on NRA insurance making a difference.

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