Ruger Bearcat dads old gun does it need to be insured?

[bucktrout]

Hello,
My name is Troy. I have been lucky enough to inherit my dads Ruger Bearcat from his childhood days. The hand made holster is dated 1950 on the back by his dads handwriting which is priceless to me however I’m not sure about the Bearcat. It is excellent condition, not a scratch on the handles and the bluing is in great shape as well. The only numbers I can find on are on the lower right side of the frame just below the cylinder Z890.
Can anybody help direct me to the proper place for age, history and value?
Thank you ahead of time with your assistance.

Bucktrout Out…

 

[DPris]

Try the Ruger Forum.
Denis

 

[danjet500]

Try here. Looks like early '60s.

http://ruger.com/Firearms/PS-SNH-RE-Bearcat.html

 

[bucktrout]

thank you...

 

[Dismantler]

Insuring guns: I am a licensed insurance agent. Currently I am working at a convenience store during the bad economy. But I do insurance in my real life. Here is the deal.

Your homeowner's or renter's policy covers firearms for their full value for insured perils such as fire, up to the policy limit for personal property. What does that mean? Well, suppose that your home is insured for $200K. You'll also have coverage for your personal belongings in the house for anywhere from $80K to $100K. (It says on your policy.) All of your property, including guns is insured up to that amount. BUT, there is a limit for THEFT. This limit is on firearms, sliverware, furs, coin collections, and other things that burglars find appealing. The limit on firearms is generally $1,500, but it varies. So if you lose $10,000 worth of firearms to a burglar...you get $1,500. You can get a special policy that attaches to your homeowner's or renter's policy that covers the guns for all perils, including theft.

Also, you guys with lots of guns worth many thousands of $$$. If your house burns to the ground and you put in a claim for $10,000 worth of guns, you had better be prepared to prove to your insurance company that you really owned them. My advice is to have them covered seperately, in which case the company knows that you have them. But if you do not want to do that, you should have back up copies of receipts, as well as photos of the guns taken in your house.

I could go on, but it is best to sit down with your agent and go over your personal situation.

 

[Jim Watson]

The gun, if in truly superb condition, is worth a few hundred bucks at most. If it were lost, stolen, or burnt up, no amount of money would buy Dad's gun back. Put the money in a safe.

 

[REB]

I tend to agree with Jim. Event the alphabet bearcats which are some of the most desirable are probably not worth insuring separately. Unless it's in 98%-99% it's not worth much more than a new one.

 

[CajunBass]

I agree it's a nice gun, but probably not worth enough to insure separately.

But a picture would be nice anyway.

 

[Byron]

Dismantler gave some good advice.I was a multiline insurance adjuster in GA for 25 years. In the event of a partial loss,some companies only wanted to give the acrtual cash value and then once it is replaced,give the balance due.I took the opposite view and would pay the full replacement value if the policy called for it. Make pictures and leave a friend or realatives house.
Byron