Surprised all

...........until he reverts back to an insurance agent. I hope you never need to find out!

Disclosing firearm lists to insurance companies always makes me nervous. That sort of information really should never be disclosed, in my opinion, unless you're filing a claim. I keep a list with serial #s and pics in electronic format encrypted and manage that myself. The only conversation I've had with my insurance company about firearms is overall collection value limitations and things of that nature.

I guess if your overall collection value exceeds the home policy's maximum and you have to take out a schedule or separate policy altogether, that might change things a bit.

Historic Firearms/ aka Eastern Insurance doesn't ask for serials.

...or models, or makes, or total number...or anything else.
I've been with them for almost ten years now, and I recommend them highly.

American Family would not insure any guns that did not have a receipt from an FFL (so guns acquired by private transaction were not insurable), nor would they accept my estimate of value; had to be documented by a professional appraiser at my expense. My agent argued on my behalf with his supervisors, but no joy.

J-Bar said:

American Family would not insure any guns that did not have a receipt from an FFL (so guns acquired by private transaction were not insurable), nor would they accept my estimate of value; had to be documented by a professional appraiser at my expense. My agent argued on my behalf with his supervisors, but no joy.

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I hope you took your buisness elsewhere?

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J-Bar said:

American Family would not insure any guns that did not have a receipt from an FFL (so guns acquired by private transaction were not insurable), nor would they accept my estimate of value; had to be documented by a professional appraiser at my expense. My agent argued on my behalf with his supervisors, but no joy.

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Wow, yeah. That's pretty ridiculous. I can't imagine a single reason (other than gun control) to need an FFL receipt for insuring a firearm. I don't have a receipt for a number of valuable things I own, but that doesn't mean that I don't own them, or that they aren't insurable.

Interesting.

I was an insurance agent turned gun seller, and have many a good conversation with my customers about making sure they get their guns covered correctly. Standard homeowners and renters policies are woefully inadequate for firearms collections of even modest size.


I guess it's nice to know that gunnies look out for each other where and when we can

State farm here. They wanted a simple descriptive list with values I assigned, like the OP.

Bo said:

I've been with State Farm for 48 yrs. now, no problems so far.
And yes, home owners only covers $2500.00, minus your deductible, if you have more than that, you need a rider, which has no deductible.

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Depends. Each state has different covered amounts

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mdauben said:

I hope you took your buisness elsewhere?

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My agent is a sister in law, massive family complications if I were to switch insurers!

Don't be surprised if your rates go up. Insurance agents are always looking to make a buck, more valuable the items insured the higher the rate....
Insurance isn't free.