Gun Insurance

Discussion in 'General Discussion' started by jmason, May 26, 2010.

  1. jmason

    jmason Well-Known Member

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    Where are you guys getting your gun insurance? The NRA seems really high. It's almost as much as home owners.
     
  2. Chas1

    Chas1 Well-Known Member

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    Check your homeowners policy for contents coverage, it may cover your guns.
     
    Last edited: May 26, 2010

  3. Joel Russo

    Joel Russo Official LRH Sponsor

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    Your homeowner's policy will have a limit on coverage for your rifles, unless you "schedule" them for replacement value. If you "schedule" them, you will need appraisals from a custom gunsmith for the replacement costs. Just like having your wife's diamond ring scheduled or on a personal items floater. You will find that insuring them for replacement value will be a significant yearly premium.
     
  4. trebark

    trebark Well-Known Member

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    Probably the best place to find gun insurance is to have it as a rider on your homeowners insurance. I've got my policy right here....$143 per year for the guns.
     
  5. eddybo

    eddybo Well-Known Member

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    collectibles insurance services LLC
     
  6. jmason

    jmason Well-Known Member

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    Eddybo- Do you know these guys or find them in a search? I selected all the coverage options for 30k. It came up with a $169 annual premium! I feel like I'm robbing the insurance guy for once!
     
    Last edited: May 26, 2010
  7. ROBSTER

    ROBSTER Well-Known Member

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  8. jmason

    jmason Well-Known Member

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  9. eddybo

    eddybo Well-Known Member

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    Never had a claim but have 100K in coverage for like 400 a year had coverage for a couple years
     
  10. trebark

    trebark Well-Known Member

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    Of course you're robbing him! he knows you've got guns!
     
  11. JARHEAD1371

    JARHEAD1371 Well-Known Member

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    I have an addition to my homeowners insurance to cover my guns. It covers the guns no matter where they are, or what happens to them, and it costs about $5 per month.