Posted: 10/20/2009 7:11:07 AM EDT
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Who do you all have insure your guns? I'm mad as hell at Travelers right now as they have refused to write a rider policy to cover my "assault weapons" (their term). Consequently, I'm now looking for a gun friendly insurance company to write my homeowners policy and also cover my guns.
Thanks. |
| I have Travelers. When they asked if I had any "assault weapons", I told them that I do not own anything classified as an "assault weapon" by either New York State or the federal government (which is a 100% true statement). They didn't go into detail beyond that and I didn't volunteer any additional information on the matter. I was not required to provide a list of guns/serial numbers for the level of coverage I purchased. |
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I go with American Family. Renters insurance - $75,000 coverage. Costs me about $80 for a year. First thing I asked was if it covered firearms, and she cheerfully said yes. What's the coverage limit for firearms? Usually it's set at something low, like $2000 unless you add a rider. |
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I have Travelers. When they asked if I had any "assault weapons", I told them that I do not own anything classified as an "assault weapon" by either New York State or the federal government (which is a 100% true statement). They didn't go into detail beyond that and I didn't volunteer any additional information on the matter. I was not required to provide a list of guns/serial numbers for the level of coverage I purchased. That's great, but if they define your guns as "assault weapons," then good luck making a claim. I have a State Farm renter's policy that includes I think $3,000 worth of firearm insurance. |
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I have Travelers. When they asked if I had any "assault weapons", I told them that I do not own anything classified as an "assault weapon" by either New York State or the federal government (which is a 100% true statement). They didn't go into detail beyond that and I didn't volunteer any additional information on the matter. I was not required to provide a list of guns/serial numbers for the level of coverage I purchased. That's great, but if they define your guns as "assault weapons," then good luck making a claim. I have a State Farm renter's policy that includes I think $3,000 worth of firearm insurance. I will start my own insurance company and insure boats. When someone calls to insure their boat, I will ask them if they own a Tuberblazer. When they say no, I will issue the policy. When they call me with a claim on their insured boat, I will tell them that their Boston Whaler is a Tuberblazer and deny their claim 
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I have Travelers. When they asked if I had any "assault weapons", I told them that I do not own anything classified as an "assault weapon" by either New York State or the federal government (which is a 100% true statement). They didn't go into detail beyond that and I didn't volunteer any additional information on the matter. I was not required to provide a list of guns/serial numbers for the level of coverage I purchased. That's great, but if they define your guns as "assault weapons," then good luck making a claim. I have a State Farm renter's policy that includes I think $3,000 worth of firearm insurance. I will start my own insurance company and insure boats. When someone calls to insure their boat, I will ask them if they own a Tuberblazer. When they say no, I will issue the policy. When they call me with a claim on their insured boat, I will tell them that their Boston Whaler is a Tuberblazer and deny their claim
I will start a health insurance company. When anyone makes a claim, I will refuse to pay because it was a pre-existing condition. I don't care if it is a broken arm. They have to prove their arm was not broken when they bought the policy. |
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I go with American Family. Renters insurance - $75,000 coverage. Costs me about $80 for a year. First thing I asked was if it covered firearms, and she cheerfully said yes. What's the coverage limit for firearms? Usually it's set at something low, like $2000 unless you add a rider. Without being home to check the paperwork it is 10 or 15 thousand. More then my current collection. I know someday I will need more, but not yet. 
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I have Travelers. When they asked if I had any "assault weapons", I told them that I do not own anything classified as an "assault weapon" by either New York State or the federal government (which is a 100% true statement). They didn't go into detail beyond that and I didn't volunteer any additional information on the matter. I was not required to provide a list of guns/serial numbers for the level of coverage I purchased. This. My wife works for Travelers, I asked her and she said the company doesn't want to insure NFA items on new policies due to the risk assessment (if you have been with the company for years they will insure whatever you want). Non-NFA items they are more than reasonable. I am guessing offhand that you talked to someone from the glens falls call center, bunch of dumbasses, talk to someone from the Washington call center (much more gun savvy/friendly). |
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The homeowners policy only includes $2500 coverage for firearms. Anything over that amount requires a separate rider policy. I have provided a detailed list. They had no problem with my U.S. M-1 carbine, but didn't want anything to do with any AR-15s. I pointed out that functionally there is no difference between the carbine and any of the other weapons, but the carbine has a nice walnut stock and doesn't look all evil and black. Morons.
I'll be dropping Travelers very soon. I will not do business with companies that do not respect my rights. |
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My homeowners is through Safeco. All guns count as regular personal property unless a particular gun is worth more than $2000. Then it needs to be scheduled, but no serial number required.
That's good enough for me. At least until I own a gun worth more than $2000. |
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I don't know why gun owners don't use the NRA insurance. The rates are reasonable and they don't want your serial #s. The only thing they want is a listing (no SNs) of any guns that are worth more than $1k alone. Does it cover accessories? My AR didn't cost me $1k, but by the time you add a new stock, optic, BUIS, etc., it's over $1k. With these insurance policies, how do you prove value in the event of a loss? Are you required to furnish receipts? |