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Posted: 4/25/2024 4:14:12 PM EDT
[Last Edit: bradpierson26]
Paid my annual premium so figured I’d pitch you guys a reminder
I use Eastern insurance, Laura Sewall $50k/ $175/yr No appraisal, no serial numbers (unlike usaa and State Farm) Seems like arfcom has also been happy with “Collectibles”? Don’t rely on your homeowner’s policy. [email protected] |
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Posted: 4/25/2024 7:07:11 PM EDT
[#1]
Bump
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TN, USA
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Posted: 4/25/2024 7:09:22 PM EDT
[#2]
So much contact info, I'm, like, overwhelmed.
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Posted: 4/25/2024 7:17:14 PM EDT
[#3]
Quote HistoryOriginally Posted By BolivarBill: So much contact info, I'm, like, overwhelmed. I’m not here to shill for my insurance agent (actually Jack was my agent, he died, Laura assumed his book) But if you’re interested (800) 545-9326 The thread is about stirring your mind to protect your assets/hobby/ evaluate your current coverage. |
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CO, USA
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Posted: 4/25/2024 7:21:59 PM EDT
[#4]
Good reminder OP. My boat insurance didn't cover my guns when I lost them all in the boating accident.
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Posted: 4/25/2024 7:23:23 PM EDT
[#5]
That's who I use. Would be interested to here from anyone that has actually had a claim & got paid.
Easy to send in my check every year, but will they actually take care of me when I need it? |
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Posted: 4/25/2024 7:25:04 PM EDT
[#6]
Quote HistoryOriginally Posted By dump1567: That's who I use. Would be interested to here from anyone that has actually had a claim & got paid. Easy to send in my check every year, but will they actually take care of me when I need it? I’m more worried about my life insurance companies. But I hear ya |
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FL, USA
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Posted: 4/25/2024 7:27:24 PM EDT
[#7]
Firearms ARE your insurance.
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Posted: 4/25/2024 7:34:49 PM EDT
[Last Edit: bradpierson26]
[#8]
Quote HistoryOriginally Posted By insider: Firearms ARE your insurance. Is this a 2 is one metaphor?  Reinsurance That’s a CPCU joke lol |
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USA
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Posted: 4/25/2024 7:37:03 PM EDT
[Last Edit: Echd]
[#9]
How much was your annual premium?
It's hard to evaluate these companies on their merits as they do tend to be generally inexpensive, but there are rarely many data points for how easy or amenable the company is as fortunately it is rarely needed. |
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Posted: 4/25/2024 7:39:24 PM EDT
[#10]
Quote HistoryOriginally Posted By Echd: How much was your annual premium? It's hard to evaluate these companies on their merits as they do tend to be generally inexpensive, but there are rarely many data points for how easy or amenable the company is as fortunately it is rarely needed. $175/yr for $50k Single items over $10k need S/n Covers NVGs, ammo, NFA @echd |
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Posted: 4/25/2024 7:40:17 PM EDT
[#11]
I use Eastern as well. $300ish premium per year for $100k coverage. I researched them beforehand, and multiple arfcommers have successfully filed claims with Easter and been paid without issue.
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MO, USA
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Posted: 4/25/2024 7:41:21 PM EDT
[#12]
OP got his stuff in order. Good for him.
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Posted: 4/25/2024 7:45:14 PM EDT
[#13]
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NV, USA
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Posted: 4/25/2024 7:50:04 PM EDT
[#14]
yall have the link to the insurance providers??
Want to make sure its the right one. |
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Posted: 4/25/2024 8:03:50 PM EDT
[#15]
Quote HistoryOriginally Posted By Underaid702: yall have the link to the insurance providers?? Want to make sure its the right one. No website for eastern that I know of. Just Laura’s email in the OP Other arfcommers use Collectors |
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Posted: 4/25/2024 8:11:57 PM EDT
[#16]
Quote HistoryOriginally Posted By dump1567: That's who I use. Would be interested to here from anyone that has actually had a claim & got paid. Easy to send in my check every year, but will they actually take care of me when I need it? Many years ago, I had USAA valuable property insurance to cover what at the time was a pretty meager collection of guns and hunting stuff. I dropped a range finder while deer hunting and could not find it. They covered the replacement cost. |
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Posted: 4/25/2024 8:17:09 PM EDT
[#17]
Quote HistoryOriginally Posted By topgunpilot20: I use Eastern as well. $300ish premium per year for $100k coverage. I researched them beforehand, and multiple arfcommers have successfully filed claims with Easter and been paid without issue. Collectibles premium was nearly double that for me. But other factors may play into that more than the company. |
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NM, USA
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Posted: 4/25/2024 8:19:30 PM EDT
[#18]
We use CollectInsure.
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FL, USA
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Posted: 4/25/2024 8:50:32 PM EDT
[Last Edit: Pallas]
[#19]
I thought people were pissed at Eastern because the customer service started to suck.
I think someone even tried to file a claim and the company was difficult. Originally Posted By Missilegeek: Collectibles premium was nearly double that for me. But other factors may play into that more than the company. No other factors, it's commonly stated Eastern is less expensive. ETA: Stated in the NfA thread: Originally Posted By NAM: I have Eastern, but I'll be dumping them at renewal. CIS is twice the price, but they're responsive at least. Laura with Eastern will go no comm, forget policy changes, forget to return calls/emails, and generally does not instill confidence. If I ever need to file a claim, I need to have 100% trust in my insurer. This isn’t the first time it has been stated and not just on this forum. It is grounds for concern imho. As for lack of reviews on claims. I would think that someone who goes to the time and expense of insuring their firearms probably keeps their stuff locked up. |
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WI, USA
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Posted: 4/25/2024 9:06:19 PM EDT
[#20]
Jack was awesome. Laura is a dumpster fire. I'm going elsewhere when this term is up.
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WI, USA
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Posted: 4/25/2024 9:06:30 PM EDT
[#21]
Quote HistoryOriginally Posted By bradpierson26: $175/yr for $50k Single items over $10k need S/n Covers NVGs, ammo, NFA @echd Not only does it cover NFA, but it also covers replacement cost + stamp They also have riders if you reload or have a cache of 200K larger rifle primers from 2016 during the salad days |
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Posted: 4/25/2024 9:33:31 PM EDT
[#22]
Quote HistoryOriginally Posted By NAM: Jack was awesome. Laura is a dumpster fire. I'm going elsewhere when this term is up. It’s still jack Richardson in my iPhone lol She’s not amazing but maybe my standards are lower lol No serious complaints from me |
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Posted: 4/25/2024 9:35:37 PM EDT
[#23]
I'm with Eastern!
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Posted: 4/25/2024 9:47:53 PM EDT
[#24]
I do Collect Insure. I should probably re-do it since I'm probably lacking in coverage.
I like them. I've emailed them and usually got a response, but I've never had to file a claim. |
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TN, USA
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Posted: 4/25/2024 9:51:22 PM EDT
[#25]
Quote HistoryOriginally Posted By DirtyHandsRob: I do Collect Insure. I should probably re-do it since I'm probably lacking in coverage. I like them. I've emailed them and usually got a response, but I've never had to file a claim. Collect was almost 2x the price |
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Posted: 4/25/2024 10:03:40 PM EDT
[Last Edit: jbntex]
[#26]
I use eastern as well and have been with them for at least 15 years.
I am at $500K for $1200ish per year. I have to schedule any guns over $50K which means providing serial numbers and formal written appraisal for them from somebody qualified to appraise them. Laura is no Jack for sure but options in this space at this policy value are really limited. |
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Posted: 4/25/2024 10:17:45 PM EDT
[#27]
Quote HistoryOriginally Posted By jbntex: I use eastern as well and have been with them for at least 15 years. I am at $500K for $1200ish per year. I have to schedule any guns over $50K which means providing serial numbers and formal written appraisal for them from somebody qualified to appraise them. Laura is no Jack for sure but options in this space at this policy value are really limited.   The real ammo whores have arrived. |
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Posted: 4/25/2024 10:35:25 PM EDT
[Last Edit: jbntex]
[#28]
Quote HistoryOriginally Posted By Missilegeek: The real ammo whores have arrived. Quote HistoryOriginally Posted By Missilegeek: Originally Posted By jbntex: I use eastern as well and have been with them for at least 15 years. I am at $500K for $1200ish per year. I have to schedule any guns over $50K which means providing serial numbers and formal written appraisal for them from somebody qualified to appraise them. Laura is no Jack for sure but options in this space at this policy value are really limited. The real ammo whores have arrived. The part I am not looking forward to in July when i have to renew is I have not adjusted my policy value in probably 6+ years because Eastern has not adjusted my premiums (unlike every other insurance product I have). I kinda figured the renewals were on auto pilot and I didnt want to rock that boat by asking for changes and a requote. I justfied being under insured by thinking there is no way it could all get stolen or destroyed at one time. Each year the gap has grown due to appreciation and new acquistions. I am now probably under-insured by at least $400K when it come to replacement value so am probably going to have to bite the bullet and requote this year. |
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Posted: 4/25/2024 10:37:22 PM EDT
[#29]
I have Eastern. No complaints, but never had a claim. I only have $50k in coverage, so it's just a bandaid in the event of a house fire. Not enough to replace my stuff, but enough to cover some basics.
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Posted: 4/25/2024 10:41:42 PM EDT
[#30]
Quote HistoryOriginally Posted By jbntex: The part I am not looking forward to in July when i have to renew is I have not adjusted my policy value in probably 6+ years because Eastern has not adjusted my premiums (unlike every other insurance product I have). I kinda figured the renewals were on auto pilot and I didnt want to rock that boat by asking for changes and a requote. I justfied being under insured by thinking there is no way it could all get stolen or destroyed at one time. Each year the gap has grown due to appreciation and new acquistions. I am now probably under-insured by at least $400K when it come to replacement value so am probably going to have to bite the bullet and requote this year. Quote HistoryOriginally Posted By jbntex: Originally Posted By Missilegeek: Originally Posted By jbntex: I use eastern as well and have been with them for at least 15 years. I am at $500K for $1200ish per year. I have to schedule any guns over $50K which means providing serial numbers and formal written appraisal for them from somebody qualified to appraise them. Laura is no Jack for sure but options in this space at this policy value are really limited. The real ammo whores have arrived. The part I am not looking forward to in July when i have to renew is I have not adjusted my policy value in probably 6+ years because Eastern has not adjusted my premiums (unlike every other insurance product I have). I kinda figured the renewals were on auto pilot and I didnt want to rock that boat by asking for changes and a requote. I justfied being under insured by thinking there is no way it could all get stolen or destroyed at one time. Each year the gap has grown due to appreciation and new acquistions. I am now probably under-insured by at least $400K when it come to replacement value so am probably going to have to bite the bullet and requote this year. Just get another policy for the difference with the other guys and keep your cheap rate. And if the worst happens, and one company screws you, you can salvage the other policy. |
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Posted: 4/25/2024 10:54:38 PM EDT
[#31]
Quote HistoryOriginally Posted By Missilegeek: Just get another policy for the difference with the other guys and keep your cheap rate. And if the worst happens, and one company screws you, you can salvage the other policy. Quote HistoryOriginally Posted By Missilegeek: Originally Posted By jbntex: Originally Posted By Missilegeek: Originally Posted By jbntex: I use eastern as well and have been with them for at least 15 years. I am at $500K for $1200ish per year. I have to schedule any guns over $50K which means providing serial numbers and formal written appraisal for them from somebody qualified to appraise them. Laura is no Jack for sure but options in this space at this policy value are really limited. The real ammo whores have arrived. The part I am not looking forward to in July when i have to renew is I have not adjusted my policy value in probably 6+ years because Eastern has not adjusted my premiums (unlike every other insurance product I have). I kinda figured the renewals were on auto pilot and I didnt want to rock that boat by asking for changes and a requote. I justfied being under insured by thinking there is no way it could all get stolen or destroyed at one time. Each year the gap has grown due to appreciation and new acquistions. I am now probably under-insured by at least $400K when it come to replacement value so am probably going to have to bite the bullet and requote this year. Just get another policy for the difference with the other guys and keep your cheap rate. And if the worst happens, and one company screws you, you can salvage the other policy. Might be a good idea. On the other hand with that kind of value, if they screwed you I'd expect a very serious lawsuit to be directed their way. |
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Posted: 4/25/2024 10:55:16 PM EDT
[#32]
Quote HistoryOriginally Posted By Missilegeek: Just get another policy for the difference with the other guys and keep your cheap rate. And if the worst happens, and one company screws you, you can salvage the other policy. Not a bad idea that is at least worth investigating more. Collect Insure is the only other company that will quote this stuff that I know of at this level and their premiums are usually much higher. We use USAA for everything else and they laughed at me 20 years ago when i asked for $100k in gun coverage. There is also the issue of the scheduled guns. I can't remove them without a requote and I can't adjust them without a new appraisal and requote. My M60 is scheduled with Eastern for I think $55K but there is no way I could replace a transferable M60E6 for $55K today and mine is a "cheap one" being an RIA gun. I will probably just ask for a mil and hope there is a another price break at that level. I know first world problems..... |
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Posted: 4/25/2024 11:05:17 PM EDT
[#33]
Quote HistoryOriginally Posted By jbntex: Not a bad idea that is at least worth investigating more. Collect Insure is the only other company that will quote this stuff that I know of at this level and their premiums are usually much higher. We use USAA for everything else and they laughed at me 20 years ago when i asked for $100k in gun coverage. There is also the issue of the scheduled guns. I can't remove them without a requote and I can't adjust them without a new appraisal and requote. My M60 is scheduled with Eastern for I think $55K but there is no way I could replace a transferable M60E6 for $55K today and mine is a "cheap one" being an RIA gun. I will probably just ask for a mil and hope there is a another price break at that level. I know first world problems..... Haha awesome
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Posted: 4/25/2024 11:05:33 PM EDT
[#34]
Quote HistoryOriginally Posted By jbntex: Not a bad idea that is at least worth investigating more. Collect Insure is the only other company that will quote this stuff that I know of at this level and their premiums are usually much higher. We use USAA for everything else and they laughed at me 20 years ago when i asked for $100k in gun coverage. There is also the issue of the scheduled guns. I can't remove them without a requote and I can't adjust them without a new appraisal and requote. My M60 is scheduled with Eastern for I think $55K but there is no way I could replace a transferable M60E6 for $55K today and mine is a "cheap one" being an RIA gun. I will probably just ask for a mil and hope there is a another price break at that level. I know first world problems..... Quote HistoryOriginally Posted By jbntex: Originally Posted By Missilegeek: Just get another policy for the difference with the other guys and keep your cheap rate. And if the worst happens, and one company screws you, you can salvage the other policy. Not a bad idea that is at least worth investigating more. Collect Insure is the only other company that will quote this stuff that I know of at this level and their premiums are usually much higher. We use USAA for everything else and they laughed at me 20 years ago when i asked for $100k in gun coverage. There is also the issue of the scheduled guns. I can't remove them without a requote and I can't adjust them without a new appraisal and requote. My M60 is scheduled with Eastern for I think $55K but there is no way I could replace a transferable M60E6 for $55K today and mine is a "cheap one" being an RIA gun. I will probably just ask for a mil and hope there is a another price break at that level. I know first world problems..... You could buy what the media calls "an arsenal" with your annual firearm ins premiums. That's American as fuck. 
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FL, USA
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Posted: 4/25/2024 11:06:03 PM EDT
[Last Edit: Pallas]
[#35]
CIS quoted me $780 for $250k in coverage. Dunno if that covers NODs and ammo.
Will try Eastern tomorrow. |
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Posted: 4/25/2024 11:18:24 PM EDT
[#36]
Insurance man here. Everybody do what the OP says.
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Posted: 4/25/2024 11:46:06 PM EDT
[Last Edit: Missilegeek]
[#37]
Quote HistoryOriginally Posted By Pallas: CIS quoted me $780 for $250k in coverage. Dunno if that covers NODs and ammo. Will try Eastern tomorrow. They assured me that it covers ammo, reloading, all manner of accessories and optics. I guess I should actually read the policy.  Edit yeah it covers virtually anything that has to do with guns or knives. The key phrase in my policy is "related equipment." The agent stated that's ammo, slings, optics, cases, mags... All accessories. I did not specifically ask about night vision, but it seems weird to exclude that and not ammo cans or whatever. If you have lasers and shoot at night, it is clearly related equipment. It covers shipping, so no reason to further insure ammo/weapon shipments for purchase/sale. There's travel coverage. So if you don't ever travel or don't bring a ton of stuff with you, you might be able to lower that line of coverage and the premium that goes with it. Doesn't cover animals ruining your stuff in storage, or if it gets water damaged within 6" of the floor of a basement. |
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Posted: 4/25/2024 11:48:59 PM EDT
[#38]
I have the extra ammo coverage from Eastern.
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FL, USA
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Posted: 4/26/2024 12:34:08 AM EDT
[Last Edit: Pallas]
[#39]
Quote HistoryOriginally Posted By Missilegeek: They assured me that it covers ammo, reloading, all manner of accessories and optics. I guess I should actually read the policy. I’m going to phone them up. You don’t have to give a s/n unless it is over $25k (only thing I have over that are a pair of NODs) and they at least have a website to get a quote. Eastern apparently got bought by another company, or merged. I’m not dealing with an agent who doesn’t have it together, I live in FL, bad agent is a massive red flag. But, even if it double, CI seems to have few to no complaints. ETA, thank you for the further explanation. I wonder if the firearm blows up or gets run over if they will cover it. I’ll ask tomorrow. |
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Posted: 4/26/2024 12:38:59 AM EDT
[Last Edit: Missilegeek]
[#40]
Quote HistoryOriginally Posted By Pallas: I’m going to phone them up. You don’t have to give a s/n unless it is over $25k (only thing I have over that are a pair of NODs) and they at least have a website. I can’t find a Website for Eastern. Quote HistoryOriginally Posted By Pallas: Originally Posted By Missilegeek: They assured me that it covers ammo, reloading, all manner of accessories and optics. I guess I should actually read the policy. I’m going to phone them up. You don’t have to give a s/n unless it is over $25k (only thing I have over that are a pair of NODs) and they at least have a website. I can’t find a Website for Eastern. Quad tubes or something? If it can be split up into multiple items, that might make it easier on that requirement. If you don't mind sharing, let us know what they say. I'd be curious what they say about nods. Honestly, I'd be shocked if it's not covered as per my long winded edit above. |
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FL, USA
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Posted: 4/26/2024 12:40:25 AM EDT
[Last Edit: Pallas]
[#41]
Quote HistoryOriginally Posted By Missilegeek: Quad tubes or something? If it can be split up into multiple items, that might make it easier on that requirement. If you don't mind, I'd be curious what they say about nods. I'd be shocked if it's not covered as per my long winded edit above. Sorry, I'm an idiot, I was thinking $10k from another insurance company. Nah, quads are heavy, I wouldn't buy a pair unless I had a no shit real world need for them. If I recall from other posts, the premium difference between CI and Eastern shrunk a good deal when the values got higher. Don’t quote me on that though. |
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Posted: 4/26/2024 1:34:07 AM EDT
[#42]
I have Collectibles. Never have made a claim.
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Posted: 4/26/2024 2:04:23 AM EDT
[Last Edit: c8z06]
[#43]
Quote HistoryOriginally Posted By sparkyfender2: I have Collectibles. Never have made a claim. Same here. $250K policy is $831.02/year. |
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Posted: 4/26/2024 2:28:06 AM EDT
[Last Edit: BoRdErBaCoN]
[#44]
Quote HistoryOriginally Posted By topgunpilot20: I use Eastern as well. $300ish premium per year for $100k coverage. I researched them beforehand, and multiple arfcommers have successfully filed claims with Easter and been paid without issue. Frig, I might change from Collectors Insurance. They are like $900 for $165k. If I could cut that in half, that would be great. |
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Posted: 4/26/2024 5:07:53 AM EDT
[#45]
Quote HistoryOriginally Posted By dump1567: That's who I use. Would be interested to here from anyone that has actually had a claim & got paid. Easy to send in my check every year, but will they actually take care of me when I need it? |
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Posted: 4/26/2024 6:30:55 AM EDT
[#46]
I have had Collectibles for years, emailed Eastern about 2 years ago for a quote and never heard back. That's a big nope for me, if a company is unresponsive before they have your money it usually doesn't get better once they do.
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Posted: 4/26/2024 6:48:15 AM EDT
[#47]
Quote HistoryOriginally Posted By jbntex: Not a bad idea that is at least worth investigating more. Collect Insure is the only other company that will quote this stuff that I know of at this level and their premiums are usually much higher. We use USAA for everything else and they laughed at me 20 years ago when i asked for $100k in gun coverage. There is also the issue of the scheduled guns. I can't remove them without a requote and I can't adjust them without a new appraisal and requote. My M60 is scheduled with Eastern for I think $55K but there is no way I could replace a transferable M60E6 for $55K today and mine is a "cheap one" being an RIA gun. I will probably just ask for a mil and hope there is a another price break at that level. I know first world problems..... USAA.............lol. |
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Posted: 4/26/2024 6:52:52 AM EDT
[#48]
Be careful with having two insurers for the same thing, it can be a beurocratic nightmare if you have to make a claim. I've heard of instances where neither pay, both insisting the other is the primary.
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Posted: 4/26/2024 7:00:16 AM EDT
[#49]
Who only owns $50k in guns?
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Posted: 4/26/2024 7:10:44 AM EDT
[#50]
Quote HistoryOriginally Posted By chmodx: Who only owns $50k in guns? |
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