Firearm insurance PSA

[Stoner]

Most insurance companies only cover a small portion of losses to firearms due to fire, theft, loss, etc.

I think it's a good idea to purchase a rider - umbrella policy to cover anything above what your insurance company covers. Some insurance companies hate people who own guns and don't cover them at all.

If you're an NRA member you can get a decent policy from Armscare. I think it's a pretty good bargain in the event you have a catastrophic event involving the loss of your valued firearms. It's not too expensive given the peace of mind.

Coverage also covers sights, mags, ( clips ) slings, etc.

Your homeowners insurance should cover your ammo.

http://www.locktonrisk.com/nrains/armscareplus.htm

You don't have to be an NRA member, but I think you get a break on the premium.

I now return you to your regularly scheduled NSFW thread.....

[CJ]

This is who insures all my guns.

http://www.historicfirearms.com/

They are extremely reasonable and will cover very high dollar firearms (including machine guns) and are a breeze to work with. You might be surprised how cheap the insurance is. Put me down as your referral!

[Labora]

I got a rider for my guns works out to something like 50$ extra a year.

I've heard the NRA armscare denies just about everything and is basically a worthless policy. (No personal experience for what it is worth.)

[Stoner]

I got a rider for my guns works out to something like 50$ extra a year.

I've heard the NRA armscare denies just about everything and is basically a worthless policy. (No personal experience for what it is worth.)

More info please. I'll switch if this info is true. CJ's provider looks pretty good too.

[Labora]

Allstate on top of my normal home owners I got 5k of insurance for any firearm coverage. (I don't keep that many here or have anything super rare.) Only made my policy go up like 50$ a year.

Where I have heard armscare is BS. You can also google search and find forums with people talking about being denied.
[ame]http://www.youtube.com/watch?v=OH4l-u9FAk8[/ame]

[FATHERFORD]

I always assumed my home owners insurance would cover my guns. Now I'm going to have to look into it.

[lowthreeohz]

Chris, just sell me some guns so you Dont need to worry about insuring them. I'll PayPal you right now for one of those nifty black rifles.

[Quadforce]

I have Farm Bureau and my agent told me they do not have a cap on firearms

[Stoner]

This is who insures all my guns.

http://www.historicfirearms.com/

They are extremely reasonable and will cover very high dollar firearms (including machine guns) and are a breeze to work with. You might be surprised how cheap the insurance is. Put me down as your referral!

Thanks CJ! I switched today and saved about $225 per year and got better coverage too. Really nice people to deal with and fast too.

[Stoner]

Chris, just sell me some guns so you Dont need to worry about insuring them. I'll PayPal you right now for one of those nifty black rifles.

Kyle, Sorry I lost em all in a boating accident

[lowthreeohz]

Sorry to hear that!

I has scuba gear..

[Gtracer]

Thanks CJ! I switched today and saved about $225 per year and got better coverage too. Really nice people to deal with and fast too.

see what 15 minutes can save you...



<---looking into it once I get home

[Stoner]

Sorry to hear that!

I has scuba gear..

They're in the Mariana trench somewhere. Me thinks you're gonna need more than scuba gear.

[YALE]

I've been really happy with the price on my USAA renter's insurance. I have a valuable personal property rider, so I can insure specific things. It's cheap enough, and if I drop a gun and put a big dent in my scope, it gets replaced.

[bottlerocket]

I've been really happy with the price on my USAA renter's insurance. I have a valuable personal property rider, so I can insure specific things. It's cheap enough, and if I drop a gun and put a big dent in my scope, it gets replaced.

I was really tempted to do that but they required serial numbers for the specific firearms I wanted to insure. That made me kinda uneasy