I just had my annual insurance review yesterday and renewed ONE of my current policies - increasing the "rider" on my guns/firearm/ammo and related equipment (reloading, holsters, belts, ammo supply, reloading supplies, and the other etc's)
American Family (leaving OUT some specifics unique to my situation)
As a renter, my TOTAL rental insurance is
$222.00 per year (THIS year) - which includes:
- $20k in lost/stolen/fire/water-damaged personal goods/effects and.... -
- basic $5000.00 in weapons and guns and equipments (reloading, and all the extras)
- liability insurance
I added an additional $5000.00 rider FOR an additionial
$16.00 (SIXTEEN.00) per year that increases the TOTAL insurance to
$10k on my weapons, guns, equipments (reloading, and all the extras)
This additional rider for my firearms of
$10k is THE MAX available by
American Family thus making my total "renters insurance" policy bill
$238.00 per year.
I also have additional Renters Insurance with additional riders to help protect "other" collections with other companies - as well as the NRA (Distingued Life Membership) insurance.
It's CHEAP at twice the price for what you're getting in return....... *
I deal with three seperate insurers and NONE of them require an "inventory" or the "serial numbers" when they write the policy as some here have reported in previous threads.... There may be companies out there like that, but I haven't run into them.
*NOTE:
I deal with three seperate insurers and NONE of them require an "inventory" or the "serial numbers" - although this has NOT been required information for the insurers I have dealt with to BUY insurance, you can rest assured it WILL be a requirement should I have to report a "loss" from fire, water, theft - etc.
Your mileage - in YOUR specific geographical location with the insurer of YOUR choice may vary...