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11/22/2017 10:05:29 PM
Posted: 9/21/2004 6:36:36 AM EST
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?
Link Posted: 9/21/2004 6:38:48 AM EST
I looked into this once a while back. It ended up being cheaper for me to increase my homeowners insurance.
Link Posted: 9/21/2004 6:39:42 AM EST

Originally Posted By chaos4570:

I looked into this once a while back. It ended up being cheaper for me to increase my homeowners insurance.




My homeowners (Nationwide) requires a Rider policy for more than $1,000 in guns (don't quote me on the exact number)

The Rider was pretty spendy.
Link Posted: 9/21/2004 6:51:30 AM EST
i have the NRA plan. very easy, i had no problems. they sent me my paperwork with a week or so.

i haven't made any claims though.
Link Posted: 9/21/2004 9:33:09 AM EST
I looked into a rider on my homeowners for my guns a couple of years ago, but it would have jacked up my premiums by a few hundred dollars a year.....if there was something cheaper out there, I would jump on it.
Link Posted: 9/21/2004 9:34:08 AM EST
My insurance company was nearly 50% cheaper than the NRA insurance....
Link Posted: 9/21/2004 9:44:10 AM EST
I think it also depends on how much insurance you need. Both of my Homeowners gave me a cheaper price (USAA and previously Nationwide), but had a max amount that was not sufficient, I think $5000.00
Link Posted: 9/21/2004 9:46:57 AM EST
I also have the NRA plan. Everything's been good so far, but I haven't had to make any claims.
Link Posted: 9/21/2004 9:54:35 AM EST
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.
Link Posted: 9/21/2004 10:07:19 AM EST
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.
Link Posted: 9/21/2004 10:57:02 AM EST
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.
Link Posted: 9/21/2004 1:11:54 PM EST

Originally Posted By Greywolf2112:


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?
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