Quantcast
  1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Which Insurance Co. is best for guns....

Discussion in 'Legal' started by insidious_calm, Oct 15, 2005.

Thread Status:
Not open for further replies.
  1. insidious_calm

    insidious_calm Member

    Joined:
    Apr 24, 2004
    Messages:
    337
    I'm shopping my homeowners policy around. Who do you recommend and why? Specifically, what is their base coverage limit for firearms in the policy? If you added a rider to increase that was the cost reasonable? Also, if you have had an occasion to use your coverage for gun(god forbid) how were they to work with regarding replacement of your guns?

    Thanks.


    I.C.
     
  2. tulsamal

    tulsamal Member

    Joined:
    Mar 29, 2003
    Messages:
    801
    Location:
    Vinita, OK
    It's just far too expensive to add extended coverage for guns to your homeowners policy.

    I read several threads on this subject a year or two ago. I thought these guys looked like the way to go:

    http://www.collectinsure.com/index.html

    They've been around since the 1960's. They insure collections specifically. They are going to pay you the "correct" price if the gun is stolen. Their prices are quite reasonable. Much less than you would pay for extended coverage on a homeowners policy.

    Go to their website, scroll down and select their FAQ on gun collections.

    And then download their price schedule. $106 a year for $20,000 worth of coverage sounds good to me!

    Gregg
     
  3. jacobtowne

    jacobtowne Member

    Joined:
    Aug 16, 2005
    Messages:
    272
    Location:
    New England
    Gregg is right. I priced premiums from my homeowner's insurance company, Liberty Mutual. They were twice the premiums from NRA Armscare. Worse, Liberty required that all guns be listed by model, maker, and serial number (no such thing for most guns with NRA), and who knows how many Liberty employees have access to their computers. No thanks.
    JT
     
  4. Standing Wolf

    Standing Wolf Member in memoriam

    Joined:
    Dec 24, 2002
    Messages:
    24,041
    Location:
    Idahohoho, the jolliest state
    Cross American Family off your list: additional coverage is available only if you register your guns with the company.
     
  5. Drizzt

    Drizzt Member

    Joined:
    Dec 24, 2002
    Messages:
    2,648
    Location:
    Moscow on the Colorado, TX
    USAA covers guns up to the limit of your homeowner's/renter's policy. No rider required.
     
  6. poe_9999

    poe_9999 Member

    Joined:
    Dec 28, 2004
    Messages:
    52
    I think this varies depending on what state you live in. I have USAA homeowners insurance. I called them to see what my gun coverage was and possibly get a rider. They told me the amount of coverage they provide is based on some state guideline. My homeowners insurance provides me with a very small amount of coverage (either $1,000 or $1,500) in VA. The customer service person I talked to told me that if I were to move to NC then I would receive $10,000 worth of coverage without a rider.


    I recommend you call and ask your homeowners insurance company what limits (if any) they placed on firearms for your specific policy.
     
  7. Lennyjoe

    Lennyjoe Member

    Joined:
    Dec 24, 2002
    Messages:
    6,069
    Location:
    Southwestern Ohio
    USAA is covering up to $4000 on my policy with no additional fees.
     
  8. Ohen Cepel

    Ohen Cepel Member

    Joined:
    Feb 4, 2003
    Messages:
    2,639
    Location:
    Where they tell me to go
    I love USAA but they weren't much help for me with the guns. If I recall right I had to give very specific info and pay a lot and then it was only going to insure that specific gun. Too costly and painful in this case.

    The NRA insurance is good but I found the CIA guys that Tulsamal posted the link to to be much cheaper (about 1/2 the NRA price).
     
  9. Scottmkiv

    Scottmkiv Member

    Joined:
    Aug 16, 2003
    Messages:
    398
    Location:
    Dallas
    USAA in New Mexico is pretty good. I pay like $60 a year for renter's insurance, and that includes 5 or 6k of gun coverage. No extra rider needed, and no form of registration whatsoever.
     
Thread Status:
Not open for further replies.

Share This Page