Homeowners Insurance without Serial Numbers

Would they accept a dealers appraisal without the details?

Nope!

If you don't trust your insurance agent to keep your firearm specifics to themselves, maybe you need to find another insurance company. That being said, any insurance company would be compelled to honor a court order if one is produced.

Our USAA requires such data.

If the house were to ever catch on fire, having insurance seems better than not having it.
The safe isn’t the most fire Resistant.

Hackers would find hundreds of other USAA, State Farm etc policy holders within a few miles of here.

The Navy’s NMPC means that lots of their staff are here (a former SEAL is nearby-met the gent) . Doesn’t include former Marines etc and just A Few Civilians with a BB gun?

Why be paranoid about my tiny group of guns, with home security as the first “layer” ?
—-Needle in a haystack.—-

In my opinion money on a specific policy for guns is better spent on better security. If you have guns stolen it is often not even worth the trouble to file an insurance claim, My deductible didn't cover the value of the 2 I had stolen. And after they were recovered they would have belonged to the insurance company if I'd filed a claim. Insurance companies are always looking for excuses to up your premium or cancel your policy. Paying off on theft claims, especially theft involving guns, sends up huge red flags at the corporate office.

If your guns are destroyed in a fire, flood, or other natural disaster you can always get the money. Your insurance policy has a max amount based on the value of the structure. And another value based on the value of your possessions. You can up the value of your possessions to an amount that would cover your guns. Last time I reviewed my insurance policy we upped the value of both the structure to reflect current values and at the same time I significantly increased the value of my possessions. No need to list guns separately.

Neither Collectables Insurance nor Eastern Insurance require serial numbers unless you have individual guns worth over a certain amount, which IIRC is somewhere around 5-10K depending on the company.

I have Nationwide Private Client and no rider and no coverage limit. I added $100K of coverage for guns, knives, reloading etc. Only required to provide serial numbers for individual guns over $25K. I get my insurance through a broker. I also had Chubb and never provided any SNs. They paid $17K for 6 guns that were stolen in San Antonio at the NSCA Nationals.

Regards,

Kris

CIA, mentioned above is who I would look at.

Gearhead Jim said:

Our current homeowners insurance has some small of coverage for firearms, without having to list the actual guns & serial numbers.
If I want to increase the coverage, then I need to provide a description, serial number, and approximate value of each gun.

I'm not worried about some government licensing or confiscation scheme in the future, but do worry that if even the general information gets into the wrong hands, that could make us a target for burglary or home invasion.

Is there any insurance available where they won't require the detailed gun info?
Thanks.

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USAA didn’t require serial numbers but mine aren’t that valuable.

I looked at what my Homeowners offered for riders, realized they weren't interested in my business, and bought a policy from Eastern Insurance.

https://locktonaffinityoutdoor.com/armscare-plus/ Give cost per year. Serial numbers not needed .

"For firearms valued at $2,500 or more, we will need a list with each item’s value. No serial numbers are required."

Try to insure any valuable including art jewelry motorcycles, cars and the insurance co is going to want proof you own it and documentation of its value. That will include photos, titles, VIN numbers, serial numbers. In the case of very valuable items like fine art they may want their expert to inspect the items as well.

You see some people have been dishonest and insure and lose things they never owned.

Sometimes they inflate the value of things they do own and had stolen.

Even the NRA backed insurer needs serial numbers and documentation over a certain value.

I was looking and just seen it.. I had insurance thru the NRA many years ago. Dont see any available now. Back then i set the value of the collection & company set tne cost. About the same as the above link.

As an NRA member, i think there was some free gun insurance that came with membership. May have changed?? Not seeing any now.

The NRA endorsed certain insurance products offered by Lockton Affinity in exchange for “substantial compensation,” investigators said.

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https://abcnews.go.com/Politics/nra-settles-insurance-violation-case-25m/story?id=74275495

I know both USAA and AAA insurance requires serial numbers if you want insurance more than the base $2500 in coverage. USAA is the same for renters insurance as well.

Get a separate gun policy.

This company doesn't require serial numbers unless an item is over 10k in value.

https://www.easterninsurance.com/insurance-quotes/personal-insurance/historic-firearms

Gearhead Jim said:

Is there any insurance available where they won't require the detailed gun info?

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I've had USAA for years; all they require is a list by make/model and I've always assigned my own value (every year when I update my list, I use the current Fjestad Blue Book as a guide).

Ignition Override said:

Our USAA requires such data.

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Um, not in my state. But I know different states have differing insurance regulations, so maybe in your state it's required.

Just seen this one. https://www.hanover.com/individuals/products/valuable-items/valuable-items-coverage#scheduled-pers

How about pictures?

Hokkmike said:

How about pictures

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View attachment 988106

What I do is put the NFA weapons on there. If the NFA items are found I'm sure they will be found still attached to or very close by the other title 1 guns, whom ever is in possession will sing like a cannery when sweated by the atf and the rest will follow.

The standard coverage for firearms from my homeowners policy is $1500. Same for Jewelry. For the rider I sought to increase that coverage, my agent told me to figure out an approximate value for all my guns and that would be the coverage I would have to pay for. While I did a photo inventory of the guns, and recorded their serial numbers, I did not have to give any of it to the agent or the company. The photos are on a flash drive in my safe deposit box. If there is a fire or a theft and the report claims a total loss, I get the total amount of the policy that I paid for. It's only when I have a individual gun or just part of my collection stolen that there is a question of how much to claim. Then the flash drive may be used for proof of value.