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Posted: 4/14/2008 1:06:31 PM EDT
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Will homeowners insurance cover weapons stolen or damaged even if they don't know you have them? Is there a special rider type thing to get? Should i call my agent each time i get a new gun and give them the serial #? I was just hoping that if i kept the serial numbers and some pics in a safe place that I would be good to go if anything happened and all the sudden i just got this creepy feeling that i need to do something else... |
Delpends on your policy - read it.
Usually. The compan I'm with (USAA) covers up to a certain amount, beyond that I needed a rider (which was very cheap).
USAA does not require serial #s, just that I have proof and I can show them, that I owned such a firearm. |
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My insurance co, Erie, covers up to $1000.00 on firearms or jewelery. Addtional coverage requires appraisals, serial numbers, inventory, etc. I can't speak for the firearms rider, but the jewelry rider is expensive. I think your best policy in the long run is a good gun safe. That way, no one has a record of what you have. |
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For most home owners policies, the replacement of just a few black rifles or pistols would cost more than what's in your policy. I had to go with a rider policy, and I insured for full replacement value (having a few SBRs and suppresors will make you a little more appreciative of insurance), not original purchase value. To get this, I have to give them SN, make, model, and accessories. I further document with copies of any reciepts and pictures. On most policies, as well, after a certain dollar amount, a safe or vault will be mandated by the policy. I just had to purchase another 500lb Cannon just for the black rifles, and it was $600 well invested! Tom |
| My homeowners only covers a certain amount so I bought a seperate policy from here. |
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I am insured with USAA. They don't need serial numbers, just proof. I was able to insure all of my firearms, ammunition, accessories (cases scopes, etc.) with a separate rider for an additonal $15.00 a month. This includes the ones in the safe and the ones that did not fit in the safe. I had to tell them that my ammunition was worth more than some of my firearms!!! Then they added it to the rider. Get a separate fire box for all of your recepits. I have been through this before. The receipts made all of the difference between a headache and a smooth claim. |
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