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State Farm wants my Serial#'s??????

paboogerpabooger Member Posts: 13,953
edited May 2002 in Ask the Experts
Just curious if any of you guys Have State Farm Insurance. I called my agent to see if I could get some aditional coverage on my firearms, she said that it would be around $100.00 a year and she would need there values and serial numbers. NO WAY ARE THEY GETTING MY SERIAL NUMBERS!! I have heard others say that their insurance does not require serial numbers. What gives???
Im saving for a safe now but it will be a few months before I can get one. But Ive heard even the good ones will not protect your guns in event of a real bad fire. Booger
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Comments

  • njretcopnjretcop Member Posts: 7,975
    edited November -1
    Are your guns stolen? I have State Farm Home Insurnace and gave them my serial numbers. I have nothing to hide. How do you expect them to insure something they have no info on? They have the serial number of your car, don't they, what's the difference?

    -Charlie

    "It's the stuff dreams are made of Angel"NRA Certified Firearms InstructorMember: GOA, RKBA, NJSPBA, NJ area rep for the 2ndAMPD. njretcop@copmail.com
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  • k.stanonikk.stanonik Member Posts: 2,109 ✭✭
    edited November -1
    Booger, i have state farm insurance, when i started the policy they asked how many but not for the numbers on my collection. I see your point but i also see theirs, some people calim damage to items they dont own and it causes rates to increase, I myself if they ask for my numbers in the future will probably give them to them, if it eases the process for a claim so be it.
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  • paboogerpabooger Member Posts: 13,953
    edited November -1
    No there not stolen and no I dont have anything to hide! I just don't think it's anyones business what my serial numbers are. Guess I can see there point but I can see my point better. Beside's I don't think theres a chance the government would want to confiscate my car, but theres always that chance with firearms. Just my personal preference maybe im wrong, it'll be interesting to see what the rest of u think!
    Booger
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  • NighthawkNighthawk Member Posts: 12,022 ✭✭✭
    edited November -1
    I understand what your feeling, my home owners insurance wanted me to get my collection appraised, and I mean each individual gun. With my collection that was not an option. And you have to figure for optics,leather,extra mags etc. I found some great insuurance its called Collectors Insurance Agency, all you have to do is give them a call for an application. You list all your Guns and model numbers,no serial nos. And list their value and pick how much coverage you as the customer want.Give them a call at 1-888-837-9537. Hope this helps.

    Good Luck

    Rugster
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  • MballisticMballistic Member Posts: 101 ✭✭
    edited November -1
    If younbelong to the NRA get in touch with them. No serial numbers required. Giving anyone serial numbers is another step to confiscation. If you are an NRA member you also get basic insurance. Another outfit is Collectables Insurance Agency. 1-888-837-9537.
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  • king999king999 Member Posts: 450 ✭✭✭
    edited November -1
    NRA insurance does not require SN except on unusually expensive items
    Morty
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  • bullelkbullelk Member Posts: 679 ✭✭✭✭
    edited November -1
    Booger,
    I don't like the idea of giving anyone the serial numbers of my guns. If they are being sticky about, just give them the number with the last 3 digits in X's. Example 1234XXX. Are you a member of the NRA? I don't know how their insurance works, it's worth a try.
    Gino

    "If All Else Fails, Read The Directions"
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  • paboogerpabooger Member Posts: 13,953
    edited November -1
    Ok thanks for the info Ill check out these options. Glad everyone doesn't feel the same way Njretcop does. Gee, seeing how he doesn't mind giving out his serial numbers I wonder if he'd mind giving out his SS# L.O.L. My guess is no!!!
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  • njretcopnjretcop Member Posts: 7,975
    edited November -1
    The serial numbers of all my guns are available to anyone with a legitimate need to know.....

    I guess that I am just not as paranoid as some of you, lol.

    -Charlie

    "It's the stuff dreams are made of Angel"NRA Certified Firearms InstructorMember: GOA, RKBA, NJSPBA, NJ area rep for the 2ndAMPD. njretcop@copmail.com

    Edited by - njretcop on 05/12/2002 12:21:03
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  • RembrandtRembrandt Member Posts: 4,486 ✭✭
    edited November -1
    I wouldn't leave a paper trail for others to follow. I've told this story before, so bear with me if you've already heard it. There were a series of breakins in some Chicago area homes. The criminals were caught and it turned out they had purchased home inventory information from an Insurance company employee who had access to policyholders files.

    By keeping an itemized inventory, divorce attorneys, Internal Revenue service, or others wanting your assets could suppeona those Insurance company records as proof of ownership. Depending upon the size of your collection, if you were to liquidate or pass it on to your heirs they may be liable for taxes on the value....best to not keep your list in the hands of someone else. Buy a good fire resistant safe and an alarm system. You don't know who will have access to your information in the Insurance Company or if they will be working there in two weeks. For what the insurance premiums will cost over a few years, you could easily pay for the safe....and it's tax deductible (if you store tax records in it).
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  • bullelkbullelk Member Posts: 679 ✭✭✭✭
    edited November -1
    Booger,
    I don't know where you live, but I aquired all my safes from old factorys and banks when they are upgrading them or just gettin rid of them. Most of them make better gun safes then these newer ones. I have one that I got from a bank and after I put racks in it, it will hold up to 80 guns. They paid me to take it out of the bank, and I got to keep it. Look around, there's still a lot of them out there.
    Gino

    "If All Else Fails, Read The Directions"



    Edited by - bullelk on 05/12/2002 13:02:45
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  • MIKE WISKEYMIKE WISKEY Member Posts: 10,036 ✭✭✭✭
    edited November -1
    MOST INSURENCE POLICIES COVER FIREARMS UP TO THE DEDUCTIBLE, LESS DEPRECIATION, IF YOU WANT EXTRA INSURANCE OF YOUR FIREARMS MOST COMPANIES WILL WANT THE SERIAL #S. BEST IS TO GET REPLACEMENT COST INSURANCE AND KEEP GOOD RECORDS (INCLUDING PIX) IN A SAFE PLACE. I'M SPEEKING FROM EXPERIENCE AS I LOST MY HOME AND ABOUT 150 GUNS IN A FIRE SIX YEARS AGO. THE INSURANCE MONEY RAN OUT LONG BEFORE IT GOTR TO THE GUNS. MOST POLICIES PAY UP TO 1/2 OF WHAT YOUR HOME IS ISSURED FOR, FOR CONTENTS. I ALSO GOT $1000 FROM THE NRA POLICY. SO THAT HELPED SOME; AND YOU CAN PURCHASE MORE COVERAGE.
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  • hdwrenchhdwrench Member Posts: 954 ✭✭
    edited November -1
    booger , don't do it . minimize your paper trail for all of the obvious reasons . the nra insurance sounds like a better idea . get the safe and your worries will be over .i just got one and can leave the house for the weekend now without the worries of losing my collection . if your looking for a dealer with 200 safes from 5 different mfg's, in stock , call ballard's in hamburg , n.y. at 716 648 0340 .i got mine there at an excellant price . good luck , wrench .
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  • luger01luger01 Member Posts: 230 ✭✭✭
    edited November -1
    I have Farmer's homeowner's insurance. I did have to get a rider to cover my collection, but all they ask is the dollar amount you want to have insured. In case of loss/theft/fire, they pay that amount - period. Doesn't matter if I have added or sold some. I am insured for $x and that is what I pay for and will receive.

    A fair solution, I think. For those whose insurance companies are picking nits from your *, change companies. When they lose enough business, they may consider changing an intrusive needless policy.
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  • aby80aby80 Member Posts: 245 ✭✭✭
    edited November -1
    I have had Farmers Ins. Co Insurance on my vehicles and houses since 1955. When I tried to get a rider on my policy to cover over $1000 on my guns several years ago they said I would have to have each one appraised and furnish them with the serial numbers. I still have them for my Insurances but I have put my guns in a pretty secure place that I don't think a thief would find. I don't think I will furnish anyone the serial numbers and I am too a retired LEO.
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  • gars320gars320 Member Posts: 471 ✭✭✭
    edited November -1
    My experience with State Farm when I had a stolen handgun was not bad all things considered. I had to supply them with the serial numver and some form of proof that I actually had owned the gun, although for me this was no problem, I still had the original receipt and owners manual. I was given a form to have a value stated that I took to the local gun shop which they filled in and State Farm cut a check for the full value less the deductible from my policy the next day.
    I didn't give them any information about my owning guns till after the fact. I have a seperate rider on the policy for my wife's wedding ring and my guns, but they are only listed as personal property.
    Ask about a seperate rider to the policy.

    Nil Illegitimus Carborundum
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  • rokkmannrokkmann Member Posts: 47 ✭✭
    edited November -1
    I have had state farm for many years and they never asked how many,what makes,or the SR.#s.when i incresed my firearms coverage.Nor would i have givin them to him.Big brother already has enough of are info ,they don't need to have access to any more.
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  • SixStringerSixStringer Member Posts: 131 ✭✭✭
    edited November -1
    You are telling them the type and model of all of your weapons.. so.. what is the big deal? Its not like the SN gives them a whole wealth of knowledge, they allready know, and they allready have enough to tell the theives/gov.
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  • OtomanOtoman Member Posts: 554 ✭
    edited November -1
    I agree with Six Stringer, What is the difference if They know you have them and if they also know the serial numbers...OTO

    KIMBER: Pistol du jour
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  • mhansonmhanson Member Posts: 79 ✭✭
    edited November -1
    www.collectinsure.com
    No numbers & good people to work with.
    NRA insurance is ok but more money
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  • IconoclastIconoclast Member Posts: 10,515 ✭✭✭
    edited November -1
    With all due respect, Charlie, when it comes to firearms, I think few people in this forum have as much trust in the good intentions of gov't agencies as your comments imply. I *might* consider providing a SN if there's a 4473, otherwise the numbers will never be recorded with any entity, for any reason, as long as I breathe. I wish I could trust them, but for the past 70 years, and especially the last thirty, our rights have been steadily eroded in the name of one good 'cause' or another. And we need only look at the Commonwealth nations and the cesspools operated out of Sacremento & Bahstan to see what lies ahead if we should be so naive as to trust them.
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  • gravediggergravedigger Member Posts: 945 ✭✭✭✭
    edited November -1
    I live in Louisiana and I have all my insurance, including homeowner's, with State Farm. I do not have my guns covered as I am new to this hobby. Though I do have over $2000 invested already. I do have another 'collection' insured through them and they did not require pictures, appraisal or an inventory just a dollar amount I wanted it insured for.

    -Marcus

    I can't believe in the things, that don't believe in me. -MM
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  • martzkj@msn.commartzkj@msn.com Member Posts: 582 ✭✭✭✭
    edited November -1
    I have State Farm. They will cover up to 5,000 for around $60 a year with no additional info.
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  • ATFATF Member Posts: 11,683 ✭✭✭
    edited November -1
    I have $10,000 of gun ins. with the NRA. It is $100.00 deductable and cost $140.00 a year. No serial numbers given except guns valued (I believe over $500.00)

    ATF
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  • rmeyerrmeyer Member Posts: 566 ✭✭✭✭
    edited November -1
    I gave them the serial numbers on mine. All are registered anyway so to me it's no big deal. The big deal is if they are ripped off I want them replaced. Might of offered the NRA my business but not to crazy about all the solicitors they sold my address to. Kind of ironic how they preach our right to privacy and then sell addresses to make a buck. My ins. co. doesn't sell my personal info.
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  • seb1999seb1999 Member Posts: 343 ✭✭✭
    edited November -1
    I also have State Farm and my policy covers up to xxx dollars of un scheduled fire arms and I can buy a rider for additional coverage without details.

    What I have never done is return a warranty card for a firearm because big brother may want all the warranty info from manufacturers some day. I guess I am paranoid.

    remember:Experience is the direct result of poor judgement
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  • kimberkidkimberkid Member Posts: 8,858 ✭✭✭
    edited November -1
    I have American National Insurance on Home, Life & Auto's. They didn't ask serial numbers either, just how much. When I told them my firearms are stored in a large safe I got a discount which covered the cost of the additional rider for my "collection" ... I also keep a seprate fireproof lock box in the safe for family documents and jewelry.

    As Rembrant said, keep tax documents in it and it is also tax deductable too ...

    =================================
    I used to know everything, then I grew up!...(kinda)

    kimberkid@gunbroker.zzn.com
    If you really desire something, you'll find a way ?
    ? otherwise, you'll find an excuse.
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  • MballisticMballistic Member Posts: 101 ✭✭
    edited November -1
    The NRA provides two types of firearm insurance. Standard and Collector. If you choose colector you must have a safe or an alarm system. The firearms must be collectables. They DO NOT require serial numbers on any firearms. I own an H& H double rifle. They wanted a description of the rifle; no serial number. NRA insurance also pays replacement value. Big thing to consider when dealing with many insurance company thieves. Many try to hit you for depreciation, wear and tear, etc.
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