Additional firearm insurance.

[stenz]

What do you guys that have additional insurance on your firearms pay per month for the extra coverage? I think State Farms covers $2500 which is not enough.

[jerrymrc]

https://www.ar-15.co/threads/125605-historic-firearms-or-collectible-insurance-claims?highlight=insurance

[jerrymrc]

Mine is like $110 per $10K of coverage annual. And yes $2500 is for ALL 'sporting goods" . Also do not forget if you are a member to fill out the form so you can get your $2500 free INS from the NRA. it is not automatic.[Flower]

[stenz]

$110 per 10k is not bad at all. I'll have to talk to my agent to see what he can do for me.

[SSChameleon]

State Farm can cover any amount you want on a personal articles floater. (Ha ha, I said floater). Ask you agent.

[Monky]

You should probably get additional coverage on your boat if you hang around here enough.


Sent by a free-range electronic weasel, with no sense of personal space.

[Mick-Boy]

USAA offers a rider to your homeowners insurance specifically for firearms as well.

[Goodburbon]

Along these lines, how does one go about getting the firearms appraised? I asked my insurance if I could get extra coverage. it was pretty damn expensive and they require an official appraisal but they wouldn't suggest any appraisal service.


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[jerrymrc]

Along these lines, how does one go about getting the firearms appraised? I asked my insurance if I could get extra coverage. it was pretty damn expensive and they require an official appraisal but they wouldn't suggest any appraisal service.


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You might want to look elsewhere. It seems (by the other threads we have had on this) that some just want a total value and some just a make/mdl and what you value it at.


USAA offers a rider to your homeowners insurance specifically for firearms as well. Mine is a separate policy that gets me another 10% on my homeowners with them.

[BlasterBob]

At one time, State Farm required firearm make, model, caliber, appraised value and SERIAL NUMBERS. I dropped that expensive policy and bought a safe which will be somewhat better than no protection at all.. [blaster]

[Great-Kazoo]

Along these lines, how does one go about getting the firearms appraised? I asked my insurance if I could get extra coverage. it was pretty damn expensive and they require an official appraisal but they wouldn't suggest any appraisal service.


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Take pictures of each firearm with the serial # visible. put one copy on cd with your other paperwork, one on a flash drive.

[wctriumph]

I keep a updated record on in a Power Point file of my firearms with photos and serial numbers along with Blue Book values noted on the photo. I have a copy on my laptop and a CD copy in my GTFO bag with other important papers. Each time a change is made in my collection I make the changes as soon as I get home. My renter policy and my NRA coverage is enough for now as far as values go on my collection.

[Big E3]

I can't find a cost break down because mine is just added to the entire annual premium for the homeowner policy. I had him add 30K in firearm coverage and I believe it is somewhere near $240 a year additionally. I like it that way because you just add about twenty bucks to your house payment each month. Unlike the old insurance company this company doesn't require a list and serial numbers, as long as I can provide them in case of a claim.

[Irving]

Your Declarations (DEC) page should have a break down.

[Lurch]

With Historic Firearms Insurance Co you can get a 35k policy for $125. They will even cover them when you are travelling.

[Jer]

With Historic Firearms Insurance Co you can get a 35k policy for $125. They will even cover them when you are travelling.

That's not bad for about $10/mo. Anyone know anyone on all these forums that has had to file a claim with them though? That's the real deciding factor to 'value' in insurance coverage.