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NRA Insurance - Making a claim

Discussion in 'General Gun Discussions' started by JoeMal, Mar 23, 2011.

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  1. JoeMal

    JoeMal Member

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    I know there are hundreds of insurance threads about firearms, lots of them specifically relating to the NRA insurance. But my question relates to if anyone has actually had to make a claim to the NRA, and what kind of a process they went through to get their firearm replaced. Things may include what kind of documentation was needed, how long it took to get their check, how much of a hassle it was, etc.

    I have most of my guns on a rider on my homeowners but figured the $2500 given by the NRA would be a way to replace a few if needed but I'm not sure what all it would take to get the situation resolved.
     
  2. Dstoerm

    Dstoerm Member

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    I'm bumping this thread because I have also wondered how the NRA plan works if you ever make a claim.

    Anyone ever used it?

    -D
     
  3. Viper

    Viper Member

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    I lost about $7500 in pistols to a home burglary on Feb 20, this year. My homeowner's policy only covers $3000 in guns and gun related items. I have contacted the NRA insurer, but will have to wait on a settlement from the HO policy, before I can file. I have the paperwork completed and will let you know how it works out. If they are reasonable to deal with, I plan to buy a $10,000 policy from the company as it's only $104 per year.
     
  4. earlthegoat2

    earlthegoat2 Member

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    Someone on here posted once about a gun stolen from their car that the NRA insurance covered. They gave the impression it went without a hitch.
     
  5. JoeMal

    JoeMal Member

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    Thanks Viper, keep us posted!
     
  6. medalguy
    • Contributing Member

    medalguy Member

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    Please do keep us posted. I had a theft a few years back, not much valuable so I didn't file on my homeowners. I thought about the NRA insurance but it states you must have receipts from purchase, and all these guns were really old ones I bought back in the 60's, just plinkers, and of course no receipts, so they weren't in a safe. Never did file.
     
  7. Jaybird78

    Jaybird78 Member

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    Question for Viper

    Sorry about your loss in your guns. Would you be so kind as to let us know how you had your firearms stored? We're they in a gun safe or other? Do you have other layers of security? Motion lights, alarm, deadbolts, etc.? Do you think it was a smash and grab, kids, professionals?

    If you don't wish to comment on the above I can totally understand. Just curious so that others like myself can learn how to better protect.

    This thread is a reminder for me to get my wife's jewelry locked up and for me to look into more insurance.
     
  8. armoredman

    armoredman Member

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    I got a rider on my renters for ALL the guns, changes every time I add or delete a firearm. Costs about $40 a month.
    Regardless, I do what I can to keep them safe - the thought of one of mine in criminal hands is enough to blow steam.
     
  9. JoeMal

    JoeMal Member

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    It's been a few weeks; heard anything Viper? Still waiting on your HO insurance company to make up their mind?
     
  10. RichBMW

    RichBMW Member

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    Best insurance is a good gun safe that's big enough for a burglar to curse at it and move on.
     
  11. JoeMal

    JoeMal Member

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    Sure, but not everyone can afford a $10,000 safe
     
  12. RichBMW

    RichBMW Member

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    On sale for $299.99 at Dick's Sporting Goods this week (I bought one):

    [​IMG]

    Holds 19 guns and weighs over 250 lbs. Should discourage most burglars.
     
  13. JoeMal

    JoeMal Member

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    I think our opinion on a 'good safe' differs a bit.

    Sticking to the OP, I'm still interested on how this works with the NRA
     
  14. Keb

    Keb Member

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  15. ljnowell

    ljnowell Member

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    That is at best a gun cabinet. Two guys with crowbars could have that in minutes. One guy with a crowbar could have it open just as fast. They wouldnt have to take it, the can just break in.
     
  16. JoeMal

    JoeMal Member

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    I am resurrecting this from the dead to see if any new information can be added. Sticking to the OP, has anyone ever had to deal with the NRA regarding a claim? Have you actually had a gun replaced? How easy/difficult was the process?

    Any news, Viper?
     
  17. oneounceload

    oneounceload member

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    I had a gun stolen and filed a claim - this was years ago - they paid it promptly upon submission of the police report - it was for a Ruger Security Six
     
  18. JoeMal

    JoeMal Member

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    That's good to hear! Thanks for posting that
     
  19. ArtU

    ArtU Member

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    The NRA promoted extra coverage insurance say from my policy:

    Your stuff is insured in the USA, but can be extended for a world wide trip up to 10K worth of stuff. That might be the 2x5K rifle we hear about for safari.

    Insured from any loss or damage from any cause except as noted. If it exceeds the amount known as ArmsCare(2.5k) or a $100 deductible if your membership in NRA expired.

    Non covered events:
    Bursting guns from bad stuff
    Infidelity of trusted members you entrusted your stuff to
    War, rebellion, invasion etc you see in all policies
    Loss from Nuclear bombs, radiation and nuclear fire
    Loss from union strikers
    Loss from snow, rain or stuff if you left your stuff out in the open
    No commercial gun dealer coverage
    No coverage for illegal stuff
    No coverage from a vehicle unless it happened from a LOCKED portion
    No coverage for ammo, or scopes not attached etc
    No coverage from mold, mildew, vermin, wear, tear, crap etc...

    Valuation :
    Replacement cost or Actual cash Value based on criteria in contract

    I personally feel this is a good deal, and in no place is any condition I can see in my contract that you prove a receipt for old guns that you obviously don't have one for. You simply need to prove you had them at one point.

    Photos, model numbers, and serial numbers in spreadsheet would be your best way to make sure you prove what you lost IMHO.

    ArtU
     
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