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Firearm insurance

mudgemudge Member Posts: 4,225 ✭✭
edited January 2002 in General Discussion
Help me...help me...I asked my insurance company agent about the coverage on my firearms. I have not had specific coverage for them. Just what homeowners covers. He wanted to know the value of the collection, so I told him. Clickety, click goes his little computer and the answer was ASTRONOMICAL!!!I'm sure some of you know of a company that specializes in firearms coverage. Enlighten me, please.Mudge the uninformed
I can't come to work today. The voices said, STAY HOME AND CLEAN THE GUNS!
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Comments

  • mudgemudge Member Posts: 4,225 ✭✭
    edited November -1
    Either of these look pretty good and neither require a listing by serial number.


    http://www.locktonrisk.com/nrains/ArmsCarePlus.htm

    or here:
    http://www.collectinsure.com/



    If you use either, Opinions requested.


    [:I] my bad, forgot to include the links when 1st posted. [:I]
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  • 7mm_ultra_mag_is_king7mm_ultra_mag_is_king Member Posts: 676 ✭✭✭✭
    edited November -1
    Contact the nra, they have insurance programs just for things that go bang.
    when all else fails........................
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  • arthur wellingarthur welling Member Posts: 66 ✭✭
    edited November -1
    Invest in good safes with fire kits, then tell the insurance guy to take a hike.We ended up getting a CUT in premiums when I described the safe where valuables live.Anybody steals that thing...... I aint messing with them. Took five guys to get it in, empty, then I built a room around it.
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  • JudgeColtJudgeColt Member Posts: 1,790 ✭✭✭
    edited November -1
    Mr. Welling may have the right idea. Even the NRA insurance is very expensive if you have anything of value.
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  • CZECHMATE2CZECHMATE2 Member Posts: 203 ✭✭
    edited November -1
    The trouble with firearm insurance is not only the high cost but the fact that the company always wants a list with serial #s.
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  • RembrandtRembrandt Member Posts: 4,486 ✭✭
    edited November -1
    Mr Welling is right about the Insurance....if you're required to provide serial numbers, there is no end to where that paper trail will lead. A number of breakins in the Chicago area was traced back to an Insurance company employee selling client inventories to the bad guys....a good fire resistant safe, motion detectors, alarm system, and dog will do more good than letting lots of people know what you have...take the money you would have spent on premiums and buy a nice firearm.Rembrandt the cautious
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  • bikrprchrbikrprchr Member Posts: 217 ✭✭✭
    edited November -1
    Mudge I know what you mean by astronomical. I agree with Mr. Welling, check out a good safe. Just yesterday morning, I picked up a new American Security with a digital lock. My collection is modest at this point, so I got the 60 X 30 X 21 model with the fire protection kit installed. I paid $795.00 for it, but as a friend pointed out, I can always sell it later, and still be ahead, plus as noted above, I have not had to give serial numbers to anyone. Good luck in your search.P.S. loved the thread with yours and the Mrs. scooters.
    1 Cross + 3 Nails= 4given
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  • jonkjonk Member Posts: 10,121
    edited November -1
    I have seen insurance companies in shotgun news offering reasonable rates and not requiring serial numbers.
    "...hit your enemy in the belly, and kick him when he is down, and boil his prisoners in oil- if you take any- and torture his women and children. Then people will keep clear of you..." -Admiral of the Fleet Lord Fisher, speaking at the Hague Peace Conference in 1899.
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  • JudgeColtJudgeColt Member Posts: 1,790 ✭✭✭
    edited November -1
    The NRA insurance does not require serial numbers.
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  • jo-danjo-dan Member Posts: 57 ✭✭
    edited November -1
    Mr Mudge,Try collectibles insurance agency: http://www.collectinsure.com should be able to get $50,000worth for about $220 per year and no SNsrequired. Descriptions (not appraisals)are only required for items listed at $5000 or above.eh-toijo-dan
    laissez les bontemps rouler
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  • instrumentofwarinstrumentofwar Member Posts: 1,545 ✭✭✭✭✭
    edited November -1
    mudge- if you've been in the military (or anyone who still is check them out) contact USAA. they used to only deal with officers in the army, however they've opened up to active duty enlisted as well as retired. their rates are phenomenal! i've got my auto ins. and renters ins. through them. i don't know about specific firearms ins. but i got an assload of extra ins. for mine on my renters policy for literaly pennies. and they don't require ser #'s.
    Rule #1: there is no easy wayRule #2: if,in fact, there is an easy way, it's mined (especially in Afghanistan or Kosovo!)
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  • MNTNMANMNTNMAN Member Posts: 46 ✭✭
    edited November -1
    I GO THROUGH ROCKY MOUNTAIN FIRE AND CASUALTY. OR SOMETHING LIKE THAT. THEY SEEM TO BE FAIRLY REASONABLE.
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  • jetjet Member Posts: 543 ✭✭✭✭
    edited November -1
    I think nra insurance is limited to $2kyou could let each houshold memeber claim $2k each.better would be safe in locked room,put silent alarm on all entries to room,you can break in to a safe,but not in the 45 minutes it take s the cops to get there.
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