Honest question

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tnieto2004

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If most people who own homes have insurance, why do many(So it seems) people spend SO much on expensive gun safes?? Is it because some of their guns are not replaceable?? Or do their guns equal more money than their policy?? Just thinking out loud here.. Thanks for your input
 
I don't want to lose my guns, they do build a sentimental value after memorable hunts/shoots. Also, I don't really like the idea of arming a criminal, even though the criminal is to blame.

Could they get a gun anyway? Sure, but I'd hate to think I gave them a better quality/more reliable one than they could find on the street.

They could steal my Tahoe and probably be more effective to just run over a bunch of school children who got out of school at the same time, but guns have seen enough bad publicity.

IMHO of course...
 
I was thinking from a monetary standpoint .. I understand the ethical issues behind it .. And I thing you bring a very good point
 
Well...

Some folks have heirlooms, so the gun(s) to them is priceless.

I have one such firearm.

But, to me, it's about being responsible. I have a safe for the following reasons:

1.) Primarily, it is to keep little hands off my guns. I have two small children.
2.) Secondarily, I don't want to easily give criminals a gun. If a burglar breaks into my house, but can't get to the guns because they are in an expensive safe, then I have won, despite whatever else they steal. They can't hurt someone with jewelry or electronics. But I would feel horrible if they shot an Officer when being stopped with a gun they stole from me.

In addition, even though I have insurance, I prefer to not use it. The more I have to use it, the more rates ascend.
 
Sentimental value plays a part, difficulty finding an exact replacement for a favorite piece is a part. But a big one for me at least is that I don't want my guns falling into the hands of criminals. It also makes it so much easier to control other types of unauthorised access as well.
 
There's also a lot of "firearms flux," meaning they come and go, and keeping timely track of them for the Insurance Barons may be inconvenient.

Just imagine, in some of the states that require "one gun a month," you'd be updating your policy every month....:rolleyes:
 
Do you have to make the insurance company aware of every gun in order for them to cover it?
 
Do you have to make the insurance company aware of every gun in order for them to cover it?
Depends on your policy, but the common answer is 'yes'. Same if you have a diamond ring that's stolen; you must have documented proof that the expensive item exists prior to the robbery.

That said, I keep mine in a 'locker' rather than a 'safe', since I'm mostly keeping them away from small hands, and I do have them scheduled.
 
I believe my homeowner's policy only covers $2500 worth of guns. There are rider policies available through some insurers and additional policies available through other companies.

One morning I woke up and said, "I now have enough money sunk into guns that I need a safe and I can't afford a safe AND extra insurance." Bought a safe and later on got the extra insurance.

John
 
Some of us who live in states with firearms ban, like CA, don't really want our pre-ban firearms stolen. These we'll probably never be able to replace.

You need to have proof such as receipts, serial numbers and photos of your guns if you want your insurance company to honor a claim. Just like with any other valuable.

Gun safes also keep family members and friends from getting access to your collection.
 
Some of us who live in states with firearms ban, like CA, don't really want our pre-ban firearms stolen. These we'll probably never be able to replace.

Don't forget that we also have guns that may not be on the CA approved roster. And then there's that pesky 1 gun/month thingy.

I have a large number of handguns that even if they could be replaced, it would take me over a year to do so.
 
1. They all remain in one place, easily organized, readily accessible and in a fairly climate controlled environment.
2. They remain out of sight from friends or unknown visitors.
3. They remain secure
4. The safes also hold other items of value - sentimental, monetary or paperwork like insurance policies and wills
5. My insurance company definitely requires a list of firearms to be insured. I cannot just say "Ohh... give me about a a quarter million in coverage". One because I would have to pay for that much and two because if it is a high dollar amount (over $50K) they want a list.

Lastly, any safe can be defeated - ANY safe. But if they are going to get into mine, they are going to have to be professional safe thieves with a lot of personnel and equipment. If they can defeat both the burglar and fire alarms there will still have to be so much noise and smoke as to attract someone's attention outside.

The last safe I ever have will be a 'safe room'. Completely hidden, complete with hidden access, separate climate control & air filtration and emergency outside contact. I hope it will be large enough for all my guns, reloading stuff, one great big recliner, wide screen TV, fridge and water closet. I may never come out of there!
 
Do you have to make the insurance company aware of every gun in order for them to cover it?
That may depend upon the insurance company. I use USAA, and they do not require that I list the actual firearms. My homeowner's policy includes a specific dollar limit on theft of firearms, but I purchase an extra amount of insurance specifically for firearms which may or may not cover the cost of the actual guns on hand at any one time. I do have a very strong safe, but it is only large enough to contain my handguns. So my long guns could be stolen from where they are stored with less security. I guess my approach is sort of a compromise, but given the restraints of my available space, I feel that's acceptable.
 
I don't want to arm criminals.

I also have two boys, 12yrs and 13yrs. I don't worry about them getting a hold of my guns as much as their friends. I had one of their friends beg to see an M1 Garand and M1 carbine. After checking to make sure they were unloaded and locked open, the kid proceeded to point them everywhere he shouldn't. I sounded like a broken record with my constant reminders to him to pay attention to where the muzzles were pointed........
 
Aside from sentimental value, many guns are basicly irreplaceable in many instances. Even if insured many writers require the owner must provide some level of 'secure storage'. But the worst case scenario remains liability......

We're a litiguous society. If you can't prove you took 'reasonable steps' to secure your guns and ammunition subsequently used in commission of a crime you can bet both LE and the Sheriff are going to come knocking with suponeas.....if not warrants.

Ultimately gun safes are CYA...... >MW
 
Mostly, I think, it's a matter of security. It's also just a practical matter; if you have more than a couple of guns, they need a home. If you reach a certain $$$ value, you might consider having your collection covered by an additonal rider on your Home Owners policy. The same goes with jewlery and other items of value, like a coin collection, etc.

Donkee is on the money--it's the friends who have not been properly instructed and indoctrinated that safes are for.
 
Ok, There are Stupid Questions........

Because my Home Owners only Covers up to $3,000.

Extra insurance to (well lets not go there) runs into the hundreds.

Guns safes for around $2,000 for a Quality LARGE Gun Safe means that in about 5 or 6 years, its free (if I was paying the insurance people instead)
 
My wife says that we cannot get more guns than we can protect. If we get a safe big enough to protect more guns, then we can get more.

Works for me!
 
If you can't prove you took 'reasonable steps' to secure your guns and ammunition subsequently used in commission of a crime you can bet both LE and the Sheriff are going to come knocking with suponeas.....if not warrants.

sorry, but in most states, you are not required ANY form of secure storage... the exception becomes when minors live in the house... if minors are not present, you are not liable for anything that is stolen... as far as i know there is no state that mandates that you lock your doors at night to prevent burglaries...

that said, i live in a house with children, so i am required by both common sense and law to keep my firearms out of reach of the kids... now, i bet the bradys would have a hissy if they knew that not only do i let my 8 year old hold, load, sight in and shoot guns... but that hes a much better shot than i am
 
Markbo said
The last safe I ever have will be a 'safe room'. Completely hidden, complete with hidden access, separate climate control & air filtration and emergency outside contact. I hope it will be large enough for all my guns, reloading stuff, one great big recliner, wide screen TV, fridge and water closet. I may never come out of there!

Will that room be really long to accommodate an indoor 100 yard range?
 
That high dollar, precision shooting AR15 with a scope equaling the value of the gun that gets stolen from someone’s closet and used in a crime is then labeled an “assault rifle” by ignorant reporters and liberal representatives.

I’m sure that there are some statistics somewhere, but it is my feeling that most guns used in crimes have been stolen at some point in their past.

Anyone would be sick at loosing their stuff, firearms or not, even sicker at being victimized again when your insurance premium goes up.

I went without a safe for many years. Adding another level of safety and security has made me feel that it was money well spent.
 
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