User Panel
User Panel
User Panel
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Posted: 9/21/2004 7:38:48 AM EDT
[#1]
I looked into this once a while back. It ended up being cheaper for me to increase my homeowners insurance.
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Posted: 9/21/2004 7:39:42 AM EDT
[#2]
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. |
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Posted: 9/21/2004 7:51:30 AM EDT
[#3]
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. |
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Posted: 9/21/2004 10:33:09 AM EDT
[#4]
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.
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Posted: 9/21/2004 10:34:08 AM EDT
[#5]
My insurance company was nearly 50% cheaper than the NRA insurance....
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Posted: 9/21/2004 10:44:10 AM EDT
[#6]
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
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Posted: 9/21/2004 10:46:57 AM EDT
[#7]
I also have the NRA plan. Everything's been good so far, but I haven't had to make any claims.
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Posted: 9/21/2004 10:54:35 AM EDT
[#8]
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. |
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Posted: 9/21/2004 11:07:19 AM EDT
[#9]
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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Posted: 9/21/2004 11:57:02 AM EDT
[#10]
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. |
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Posted: 9/21/2004 2:11:54 PM EDT
[#11]
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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