Reloading and home insurance

[caver]

When you started started reloading did you inform your insurance company just in case something happened. I question this because if your home was involved in a fire and the investigators ruled it was accelerated because of powders or primers I'm thinking they might not pay for the damage and your policy might become null and void.

Any opinions?

 

[ARTiger]

Unless there is a specific exclusion clause in your policy (doubtful), coverage should not be affected.

 

[armoredman]

Don't give 'em ideas!

 

[scrat]

that would be like saying i like to blow dry my hair in the shower can you insure me

 

[Luggernut]

I don't trust insurance companies for anything. The last time I renewed my homeowner's insurance there was long list of questions- asking if I had pets, wood stoves, firearms, trampoline, blah, blah, blah.

I've often wondered that but have just been issued a permit to store up to 48lbs of powder, 5000 primers and up to 50,000 centerfire ammo rounds. Even so... I'm still worried that some ins agent would say that I stored these improperly!

 

[ATAShooter]

Here in Chesterfield, our county has the fire ordinance of no more than 4 lbs in a residence without proper permits, and it must be in a container of a certain size. My regular homeowners will cover unless I violate the laws.

UPDATED 2-7-07 ... The above 4 lb limit I posted is incorrect for Chesterfield county Va. I called the County and found out there is no limit anymore. That was done away with years ago. There is no limit on smokeless powder for personal use as long as it is kept in a magazine container. I apologize for this error. Rick L.

 

[RickSavage]

My garage burned down some years ago and all my reloading equipment and supplies and ammo with it. State farm paid without question.Their inspector did not even question me about the reloading equipment...... I guess i was lucky....

 

[GRIZ22]

I don't think reloading stuff in normal (okay that can vary by the person) quantities woyld void any insurance. Look at all the other flammable materials that would be considered normal to have in a home or garage (paint, mineral spirits, etc). I'd be sure to check if there are any local permits required.

 

[Master Blaster]

Do you have a two car garage attached to your home? If so you have 40-50 gallons of highly volatile, highly explosive gasoline there. Do you heat your home with Gas or propane??

These are much more dangerous than smokeless propellent which is not volatile and cannot drift through the air in vapor form and find a spark and cause an explosion.