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Posted: 5/12/2004 4:59:58 PM EST
I am looking to purchase gun insurance and was wondering if anyone could offer suggestions on who to go with. I will need more insurance than my homeowner's policy will cover($2500). It will be for guns that I shoot regularly and not for collectors type guns that are never fired. I am looking for a company that will insure at replacement cost not current cash value. Anyone know of a good company?
Link Posted: 5/12/2004 5:18:31 PM EST
What's the max the NRA covers for each firearm if you are a member? $500-1000?

If you're worried about theft, just buy a big mother safe.
Link Posted: 5/12/2004 5:26:35 PM EST
Link Posted: 5/12/2004 5:27:34 PM EST
Thanks for the reply. My understanding of the NRA sponsored insurance is that they insure at cash value not replacement value. I am a little wary of that. I am looking for insurance that will cover the cost of replacing my firearms in the event of theft or fire. Can someone please offer any recommendations on a company that will do this.
Link Posted: 5/12/2004 5:28:05 PM EST

Originally Posted By timber13:
I am looking to purchase gun insurance and was wondering if anyone could offer suggestions on who to go with. I will need more insurance than my homeowner's policy will cover($2500). It will be for guns that I shoot regularly and not for collectors type guns that are never fired. I am looking for a company that will insure at replacement cost not current cash value. Anyone know of a good company?




Well, I just bought a condo and my insurance company was reasonably accomodating. State Farm would insure 2500 as a part of regular coverage. 5K with a rider (which was only like 40 dollars), or I could go to any limit with a special policy. Regular homeowners covers all the accessories so I only counted the basic firearms at replacement cost.
Link Posted: 5/12/2004 5:37:41 PM EST
My homeowners insurance company said their policy on extra insurance was that they would buy me new guns in the event of theft not reimburse me for the replacement cost. That seemed a little outlandish to me. I think I got some bad information. Collectinsure from what I gather is for collector guns that are never fired or only occasionally fired which wouldn't apply to me. Any recommendations on gun specific insurance that will cover replacement cost for sporting firearms not collector firearms. Thanks.
Link Posted: 5/12/2004 7:51:51 PM EST
I called up Met (my homeowner's) and asked this same question. They said I should get all my stuff appraised and I could get a rider of around 15K for about $250 extra a year. Went with the Brink's security system instead. Free installation since I guess the guy that did my home inspection was a "Brink's partner" whatever that means. For 30 bucks a month for the monitoring, I think it's worth it.
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