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<blockquote data-quote="The Oregonian" data-source="post: 2752221" data-attributes="member: 51405"><p>I have firearms policy through my homeowners with USAA. I can't promise the below is accurate but I think it is...</p><p></p><p>My firearms would be covered by my homeowner's policy without an additional firearms policy, but with some limitations. They have a normal homeowner's deductible and they are not covered for issues outside of the home (since they are attached to the homeowner's policy).</p><p></p><p>With the extra policy, they are covered if they get lost, stolen, damaged, etc regardless of location (in our out of the house). And no normal deductible (which isn't a big deal honestly). I have this bc I fly with my rifles usually once or twice per year. I have about $40k worth of guns covered and it costs $800/yr.</p><p></p><p>Your guns may be covered on your homeowner's policy, so you should check first.</p></blockquote><p></p>
[QUOTE="The Oregonian, post: 2752221, member: 51405"] I have firearms policy through my homeowners with USAA. I can't promise the below is accurate but I think it is... My firearms would be covered by my homeowner's policy without an additional firearms policy, but with some limitations. They have a normal homeowner's deductible and they are not covered for issues outside of the home (since they are attached to the homeowner's policy). With the extra policy, they are covered if they get lost, stolen, damaged, etc regardless of location (in our out of the house). And no normal deductible (which isn't a big deal honestly). I have this bc I fly with my rifles usually once or twice per year. I have about $40k worth of guns covered and it costs $800/yr. Your guns may be covered on your homeowner's policy, so you should check first. [/QUOTE]
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