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Travelers insurance won't cover 'Assault Rifles'

Discussion in 'General Gun Discussions' started by Joe Link, Sep 18, 2009.

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  1. Joe Link

    Joe Link Member

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    In an effort to save money, I called my AAA insurance agent today to see how much money I'd save on by switching from State Farm renters insurance (which I shopped for and purchased independently) to Travelers (who I have my auto insurance with, purchased through AAA). I was telling them about my situation, coverages and deductibles, etc. when the topic of firearms came up and I explained that I'll need extra coverage for my collection. The agent asked me about the type of firearms, specifically if I owned any "pistols, shotguns, or assault rifles". I knew right away there was going to be a problem.

    I told her all of the above and gave her an estimate of the value, then waited for her to call back with confirmation of whether or not they have a policy against insuring 'assault rifles'. As I was on the phone with a client she called and left a message saying that Travelers will not insure 'assault weapons'. At this point I was rather upset, and decided to confirm this with Travelers themselves.

    I called Travelers and spoke with an agent.

    Now I'm not only shopping for renters insurance, but auto insurance as well. If any of you have Travelers or do business with any other company that chooses to discriminate against us for our lawful activities, I urge you to vote with your dollars and find alternatives.
     
  2. General Geoff

    General Geoff Member

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    Never heard of an insurance agency not covering "assault weapons" before. What is their definition of "assault weapon"?
     
  3. geronimo509

    geronimo509 Member

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    I love that line!!

    Good luck finding a new insurance company. Next time just tell them that you have rifles, pistols, and shotguns and that some are semi, pump, etc.. I wouldn't say what they are unless they ask and then try and say semi automatic rifle. I don't know though.
     
  4. HexHead

    HexHead Member

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  5. spartywrx

    spartywrx Member

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    The problem I can see with that is god forbid that the rifles get stolen the insurance company won't make you whole when you have to tell them what got stolen.

    I'll be crossing Traveler's insurance off my list when I need insurance in the future.
     
  6. geronimo509

    geronimo509 Member

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    thats true
     
  7. HK G3

    HK G3 Member

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    Why not just use the NRA's gun-insurance for the firearms, and then worry about everything else with another insurance?
     
  8. D94R

    D94R Member

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    I have State Farm for all my insurances, great people to deal with (never had a problem with claims), and they have no silly discrimination's.


    Sometime's it's convenient to have all your ducks in the same pond. If something were to happen to your house, and you had to make auto, house, and firearm claims, just how many different companies are you really going to want to deal with?
     
  9. 9mmepiphany

    9mmepiphany Moderator

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    i would think the downside of having two different policies would be two separate deductables.

    i have my homeowners and auto insurance through AAA and they didn't have any problem with my guns. i wonder if it's specific to renters insurance
     
  10. Joe Link

    Joe Link Member

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    Which company does AAA have you going through? I don't believe they sell insurance, though I could be wrong, I think they just shop for you and get you a discount.
     
  11. bigfatdave

    bigfatdave Member

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    Thanks for the info. Good luck finding a goor Renter's policy ... please share when you fond a good company.
     
  12. NMGonzo

    NMGonzo Member

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    Next time I call my insurance agent (customer of mine) I will ask him to insure my "pistol of mass destruction", my "genocide rifle", and "regime suporter handgun"

    What the hell is an "assault rifle" anyhow?
     
  13. Queltor

    Queltor Member

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    Outstanding line!

    All my insurance needs are handled by USAA.
     
  14. bigfatdave

    bigfatdave Member

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    Make sure to point out which ones are black and nasty looking, and the select-fire (safe and semi-auto are selections!) nature of some of them.
    "I just wanted to make sure you were insuring my black, semiautomatic, select-fire (or safteyless, if applicable), Saturday-night-special, chambered-in-a-military-caliber, loaded-with-cop-killer-bullets, easily-concealed, unregistered, unlicensed, no-paperwork handgun"
     
  15. Bo

    Bo Member

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    State Farm Ins.

    I called my State Farm agent, ask about firearms coverage. I was told State Farm covers $2500.00 for 1 gun or $5000.00 maximum. So I bought a rider that covers the true value of my collection plus, with the rider, there's no deductible. I think he said it was 16 dollars per 1000 dollar coverage annually. Not bad for peace of mind.
     
  16. D94R

    D94R Member

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    Bingo!
     
  17. Beelzy

    Beelzy Member

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    Buy a Safe.

    As another chap mentioned, State Farm will insure firearms. I can't reacall any limit on
    value.
     
  18. Zundfolge

    Zundfolge Member

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  19. HOME DEPOT GEORGE

    HOME DEPOT GEORGE Member

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    After what state farm did to the folks in Florida including some of my neighbors I wouldn't insure a fart with them.
     
  20. D94R

    D94R Member

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    So then I assume you won't be buying any Ruger firearms?
    Or gas for your car?
    Or any food for your family?
    Not to mention EVERY OTHER insurance company out there.

    etc etc

    I could go on forever, my point is, any company or place you do business with has had it's hands in screwing over someone at some point. If you're spiting State Farm on principal, then you'd better be up to spiting the rest of the Country and world.
     
  21. 22-rimfire

    22-rimfire Member

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    Unless you own a $100,000 worth of firearms; that's $1600 a year....
     
  22. D94R

    D94R Member

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    I'm betting if you own $100,000 in firearms, you're financially able to afford $1600/year ($133/month) for insurance on your arms.
     
  23. 22-rimfire

    22-rimfire Member

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    Some one who has collected for a long time could easily own $100K in firearms and still barely pay the rent monthly. Consider 40 years of collecting at only a few thousand a year and you're there.... one Python will run you well over $1000 for the gun. One AR....$1000+. Special guns will run a lot more. You would probably be surprised how many members here own that much and more. Few will admit it however.
     
  24. Artiz

    Artiz Member

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    Anti-gun insurance companies are not all that uncommon.
     
  25. D94R

    D94R Member

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    Which proves my point. If you're so poor you can afford to buy a $1000+ gun, but can barerly make rent, you can afford to forgo that gun purchase and pay the insurance on your very healthy stash of arms.

    Second point: priorities are not where they should be if you're buying $1000+ guns, but can barely make rent.




    Now, if you inherited such a large collection, you'd have a valid standing.
     
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