Wil Terry
Member
Have none of you ever checked the truly excellent gun insurance coverage available from the NRA ?
And so it goes...
And so it goes...
OMG, why can't I state a value and pay the appropriate amount to insure my items for the stated value?
We are in the process of purchasing a new house and were going to go with USAA as that is who we have for our vehicles. We got a great deal on the house, it appraised at 700k and we got it for 175k. I just wanted to insure it for about 260K. USAA wouldn't do that. They said they only insure for the replacement value, nothing less. They said I could hire a contractor to come out and give a written estimate for rebuild and they would go with that. I'm not going to pay a contractor to come out to tell me what I already know. I don't care if we can't get it fully rebuilt. Yeah, it will suck, but I don't want to pay almost what I am paying for the mortgage in insurance costs!I just looked into USAA. They'll cover my firearms, no appraisal, including scopes, etc, but I also have to insure my home with them. My vehicles are cheaper through USAA, and my motorcycle is cheaper through Progressive (via USAA referral).
The home insurance and the firearm coverage (aka a rider) is more through USAA, but the coverage is better also.
The net difference is slightly better coverage for $53 extra every 6 months with USAA.
it appraised at 700k and we got it for 175k. I just wanted to insure it for about 260K.