Gun and trophy insurance

[sammyg]

Wanting to know people's thoughts and experiences with separate gun insurance policies. Thanks for input

 

[60723]

I have a jewelry/rifle and scope policy added on my homeowner policy

 

[Rick in Oregon]

From my experience, adding a nice gun collectin to the policy cranks up the premium price as much or more than the original policy premium, and always requires a separate rider.

 

[Forum Boss]

Make sure you have multiple photos of EVERYTHING, and it would be wise to have a spreadsheet with items and listed values.

 

[1K6BRA]

Serial numbers of everything, multiple photos of everything, sales receipts if you have them also. Like an experienced insurance salesman,my ex-wife was very good at obtaining all the above.

 

[farmerjohn]

Farm Bureau here in Arkansas adds firearms and optics onto a separate policy on your inland marine policy. Protects them where ever you are, traveling, hunting, home, fire, theft, damage ect. for a dollar per hundred dollars of listed value per year, but here's the kicker, it's per specific gun. You give them the serial number of the scope and rifle and it's covered. Makes it hard to carry different guns plus it can get expensive if you have a lot of guns that you want covered. I have a fire and relatively theft proof storage system and shoot whatever I like here at home but insure my EDC and truck rifle for me as well as my wife for less than a hundred bucks a year, they will also allow you to list however many you want for a monthly rate like a prarrie dog trip or during deer season and cancel when you get home......works out for us
John

 

[K22]

My homeowner's insurance requires a separate rider for firearms. Like others have said, have serial numbers and photos with the insurance.

 

[Toptom]

I have a policy with the company gun and trophy insurance. Started it a few years ago after someone on here few years ago and made me realize I needed one. They were easy to work with. Thankfully I haven't had to use it and hope I never do but it's peice of mind.

 

[jpjulian]

Our homeowners agent and the company want wayyyyyyyy too much information that will be available to wayyyyyyyy too many for wayyyyyyyy too much money.