TheOtherOne
Member
I'm buying a house and just got done talking with State Farm. They will only cover up to $2,500 in firearms or $5,000 if I was willing to pay an extra $25/year (current premium is $335/year).
My parents have Farmers insurance and it seems to be cheaper ($400/year and their house is twice as valuable as mine) but it only covers up to $1,000 in guns.
I searched through some old posts and found one that said the key was to find an insurance company that didn't separate firearms from your regularly covered personal property. Does anyone know who those insurance companies might be? State Farm definitely isn't -- they wanted to know how much value I had in guns, jewelry, silverware, electronics, computers and collectibles.
Anyways, I'm just asking to get an idea on which company has the best and cheapest coverage for firearms on homeowners insurance. I'm going to be on a tight budget and am not really interested in a separate policy just for guns.
My parents have Farmers insurance and it seems to be cheaper ($400/year and their house is twice as valuable as mine) but it only covers up to $1,000 in guns.
I searched through some old posts and found one that said the key was to find an insurance company that didn't separate firearms from your regularly covered personal property. Does anyone know who those insurance companies might be? State Farm definitely isn't -- they wanted to know how much value I had in guns, jewelry, silverware, electronics, computers and collectibles.
Anyways, I'm just asking to get an idea on which company has the best and cheapest coverage for firearms on homeowners insurance. I'm going to be on a tight budget and am not really interested in a separate policy just for guns.