Posted: 9/21/2004 7:36:36 AM EDT
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A while ago I checked with my homeowners policy to increase my coverage, they were very expensive. I'm thinking of going with the NRA Armscare coverage. Is anyone using their policy? Had any claims? Anything I need to know? |
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We have American Family renters insurance, nothing extra for weapons, $500 deductible. When I asked the agent about my guns she said, "No problem. Try to make sure you have all your receipts and if possible, pictures of the guns and their serial numbers." I do, copies on CDs store in various places including and besides our house. |
| I added a rider onto my insurance policy. I forget how much I paid for the extra coverage, but it was a pretty small sum (maybe $20-30/year?) considering how much was covered and with no deductable. No nosy questions about how I store them either. I have Allstate, BTW. |
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Most insurance companies will charge around $1.00-$1.75 per $100 of coverage. So, if you have $10,000 of firearms you could be looking at $100-$175 extra per year. I looked into it but decided instead to invest in a decent fireproof gunsafe - it will pay for itself in a few years. |
I have a good safe, but nothing is foolproof. Plus, a safe wont' do much when you are taking your guns to the range. I wonder if you car insurance would cover that theft? |