Posted: 6/4/2007 11:39:48 AM EDT
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Does anyone here carry insurnace on your firearms? I am considering taking a policy out, but am nervous to even call around different carriers because of what they may do with the information I provide. Who do yall use? |
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One company I called wanted th following information: 1) type of firearm 2) Manufacturer 3) Model Number 4) Caliber 5) Serial number  Registration at its best6) Action type Making an AW database?7) Barrel Legnth 8) Finish type 9) Type of Grip Gonna turn me in with a new AWB?10) Case type 11) Customizing 12) Condition Now I am paranoid that I called them and asked for a quote... |
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I use these guys: historicfirearms.com/ They don't have any restrictions on use of the firearms and they don't require any serial number or identifying info unless it a single item worth over $10,000. At the amount of insurance I carry, my premium is about $3.40/thousand. |
Is that per month or per year? |
That's per year, but the less you insure, the higher the per $K premium, plus I've had the policy for about 3 years, so the intro rate might now be higher. |
| you can also up your NRA coverage, looks pretty easy to do. More expensive than some of the other prices quoted, probably because there isn't a whole house behind it as well. However, a lot of insurance companies won't insure firearms without a pile of crap, if at all. The NRA program will cover you. |
Make sure you read the special limits on certain types of personal property. I am a former property insurance adjuster, and I found NOBODY ever read the special limits. We once had to pay a guy only $100.00 on his $20,000 baseball card collection (kept them in a cardboard box in a kitchen cabinet, and his stove caught fire and the FD hosed the whole place down) because that was the limit on baseball cards. He was furious, but for a few extra bucks he could have had the whole thing covered. |
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I called my usual homeowners ins. and got each of them insured specially - I forget the term, but the coverage is much better, and they are covered at full replacement value. I did the same with my camera gear and all the big jewelry in the house. went like this.. description (make/model) and serial number, and cost. I made a list and emailed it to them, they added it to the policy. no other nonsense, or bs. My insurance agent (she) didnt even choke up a lung or anything with the long long list of EBR's ..  |
+1 - exact same for me |
USAA was the one I called that wanted all the info... |
