Firearm insurance

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CarpdoctorXCorporal
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Firearm insurance
12/26/2016

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A few months back there was a post discussing insurance. I can't seem to find the post. It mentioned a contact person, I believe it was with eastern insurance or possibly Collectibles insurance. Maybe it's just me but the search engine sucks on the forum, not to mention the page always seems to lock up.

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devldogs55

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Re: Firearm insurance
12/27/2016

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I know with the NRA insurance you can schedule a rifle for just about any value on your policy. Not saying you can schedule a Glock 19 for $20k, but if you have something that is valuable and you can't go buy one off the shelf - you can still schedule it.

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LSUfreak2X108 MONTHS
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Re: Firearm insurance
12/27/2016

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Still sucks man. Best route is go through your personal insurance.

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CarpdoctorXCorporal
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Re: Firearm insurance
12/27/2016

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Getting coverage with my regular home insurer is very expensive. There was a lengthy post a few months ago about insurance providers but I can't find the post. I am sure someone who posted there will read this eventually.

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dinmax82XGunny Sergeant
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Re: Firearm insurance
12/27/2016
(1 vote)

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I have Eastern and rates are one of the cheapest. Only need to schedule items over 10k.

Homeowners is generally very expensive and some want everything itemized. I hear some people get good deals but not with mine.
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buckeyesguy5XSergeant
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Re: Firearm insurance
12/27/2016

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I use Collectibles Insurance Services (collectinsure.com), they require a schedule for items over 5k. Thankfully I can't say how they actually handle a claim though. In regards to my homeowners insurance, they wanted professional appraisals on each individual item to be insured.

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308pirateXGunny Sergeant
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Re: Firearm insurance
12/27/2016

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SIAI.......become a member of one of the clay shooting governing bodies ($35 - 40 a year) and you can access their policies.

http://www.siai.net/

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NY700XSergeant
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Re: Firearm insurance
12/27/2016

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Generally speaking covering it under your homeowners is t that expensive and some policies I have travelers already include coverage for such items up to a certain amount.

What can hurt is your deductible. And that is what's really going to change if you get a separate policy on such items also remember to include items like engagement / wedding rings and other higher valued items.

Most home owners have a 1% deductible. That's 1% of the value of your home not the item your claiming. So $300,000 = $3,000 deductible. How much is the rifle?
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devldogs55

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Re: Firearm insurance
12/27/2016

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For me, I've got quotes from multiple homeowners insurance companies, and they were all much more expensive than going a different route. Yes, some come with a limited amount of insurance already - but it's typically capped at $2-5k and you'll still have a deductible of at least $1k in a lot of instances.

I went with the NRA insurance because of their lack of stipulations in the policy, and their price. Some research also showed me some anecdotal evidence of very low hassle claims. Just my two cents.

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Bjm0918XSergeant
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Re: Firearm insurance
12/27/2016
(1 vote)

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X2 for Eastern. Guy is great and I think I pay $125 for $35k in coverage. Like stated above only optimize $10k+ items.

A buddy is my insurance agent. He always recomends separate policies for high dollar valuables or like group of items. Last thing you need is to get ripped off any your homeowners insurance increases 30%.

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NikoH

XFirst Sergeant
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Re: Firearm insurance
12/27/2016

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Anyone ever make a claim through Eastern?

I understand that they are very reasonably priced but at least with my homeowners I know that they will make good on a claim.
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WATERWALKER0311

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Re: Firearm insurance
12/28/2016

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I used USAA. I chose $15,000 coverage at approximately $130 for the year. I double-checked those #s w/ my wife & she says that sounds right. There were no appraisals, no serial numbers asked for, etc. Boom. Done.

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sig2009XSergeant
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Re: Firearm insurance
12/29/2016

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https://www.easterninsurance.com/insurance-quotes/personal-insurance/historic-firearms

I pay $124 a year for $30k REPLACEMENT coverage. Cheapest and best. The NRA ins is crap!

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sig2009XSergeant
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Re: Firearm insurance
12/29/2016

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Bjm0918 wrote:
X2 for Eastern. Guy is great and I think I pay $125 for $35k in coverage. Like stated above only optimize $10k+ items.

A buddy is my insurance agent. He always recomends separate policies for high dollar valuables or like group of items. Last thing you need is to get ripped off any your homeowners insurance increases 30%.​

I use the same. The guy is a gun guy and Eastern is great!



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sig2009XSergeant
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Re: Firearm insurance
12/29/2016

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devldogs55 wrote:
I know with the NRA insurance you can schedule a rifle for just about any value on your policy. Not saying you can schedule a Glock 19 for $20k, but if you have something that is valuable and you can't go buy one off the shelf - you can still schedule it.​

Yes. And you are charged for the schedule with added fees from Loyd's of London.

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101stinfantry

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Re: Firearm insurance
12/29/2016

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Eastern/Historic Firearms has a minimum $150 per year premium for a $40,000 coverage limit. For $50,000 it is $175 per year. NRA members get a 5% discount.

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WATERWALKER0311

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Re: Firearm insurance
12/29/2016

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Thanks for the heads up! Looks like I'll be doing a bit of research & very well could be cancelling my policy in favor of a new policy.

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sig2009XSergeant
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Re: Firearm insurance
12/29/2016

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101stinfantry wrote:

Eastern/Historic Firearms has a minimum $150 per year premium for a $40,000 coverage limit. For $50,000 it is $175 per year. NRA members get a 5% discount.​

I pay $124 a year for $30k Replacement coverage with Eastern. No minimum.

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Rob01

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Re: Firearm insurance
12/29/2016

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Does Eastern cover the firearms if flying or traveling? Or is just at home? I have NRA now but always looking to save some money if I can for a similar product.
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101stinfantry

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Re: Firearm insurance
12/29/2016 Last edited 12/29/2016 by 101stinfantry

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sig2009 wrote:

101stinfantry wrote:

Eastern/Historic Firearms has a minimum $150 per year premium for a $40,000 coverage limit. For $50,000 it is $175 per year. NRA members get a 5% discount.​

I pay $124 a year for $30k Replacement coverage with Eastern. No minimum.​

That was the quote they gave me today.

Rob they'll cover traveling as well. Though I'm not sure if it affects the premium or not.

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davisj3537XSergeant
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Re: Firearm insurance
12/29/2016

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Several of the guys here mentioned prioritizing or scheduling things over 5k or 10k. I don't understand what this means exactly.

Is that to say that if I don't have any individual firearms worth over 10k I don't need insurance regardless of the total amount my firearms are worth?

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101stinfantry

XGunny Sergeant
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Re: Firearm insurance
12/29/2016

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No they aren't saying that at all, some insurance companies require you to schedule items that are valued over a certain amount, it may be $5k, or $10K. I would say to insure the total amount in the event of a catastrophic loss.

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davisj3537XSergeant
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Re: Firearm insurance
12/29/2016 Last edited 12/29/2016 by davisj3537

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101stinfantry wrote:
No they aren't saying that at all, some insurance companies require you to schedule items that are valued over a certain amount, it may be $5k, or $10K. I would say to insure the total amount in the event of a catastrophic loss.​

Ok that clears it up a bit. Still not entirely understanding the lingo though. Is the term "scheduled" a way of saying that the particular firearm needs to be itemized or appraised or something?

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sig2009XSergeant
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Re: Firearm insurance
12/29/2016

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101stinfantry wrote:
No they aren't saying that at all, some insurance companies require you to schedule items that are valued over a certain amount, it may be $5k, or $10K. I would say to insure the total amount in the event of a catastrophic loss.​

I believe when I had the NRA ins I had a couple Les Baers and I wanted to insure for full replacement which was over $2,000 and they charged me to schedule those with a higher premium.

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devldogs55

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Re: Firearm insurance
12/29/2016 Last edited 12/29/2016 by devldogs55

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sig2009 wrote:

devldogs55 wrote:

I know with the NRA insurance you can schedule a rifle for just about any value on your policy. Not saying you can schedule a Glock 19 for $20k, but if you have something that is valuable and you can't go buy one off the shelf - you can still schedule it.​

Yes. And you are charged for the schedule with added fees from Loyd's of London.​

That may have been true at one point. I scheduled rifles and my premium remained the same. Not saying it's better than everyone else - just that it's reasonable and I trust them to pay out.

I'm interested in checking out Eastern, but I don't know anyone who has had a claim paid out from them. I'd like to know more.

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Indestructible

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Re: Firearm insurance
12/29/2016

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Yes, you may have to get a written appraisel. More likely, you just give them make, model, s/n and new cost.

It was asked before, but has anyone actually filed a claim with Eastern or the NRA insurance? Cheap is good, but not if you are made to jump through hoops to get reimbursed.

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devldogs55

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Re: Firearm insurance
12/29/2016

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I haven't filed a claim through NRA insurance but my dad filed a claim with the NRA insurance for $8k in stolen firearms and it was quickly approved and paid out.

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Indestructible

XSergeant
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Re: Firearm insurance
12/30/2016

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devldogs55 wrote:

I haven't filed a claim through NRA insurance but my dad filed a claim with the NRA insurance for $8k in stolen firearms and it was quickly approved and paid out.​

Good to know, thanks.

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NY700XSergeant
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Firearm insurance
12/30/2016

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davisj3537 wrote:

101stinfantry wrote:
No they aren't saying that at all, some insurance companies require you to schedule items that are valued over a certain amount, it may be $5k, or $10K. I would say to insure the total amount in the event of a catastrophic loss.​

Ok that clears it up a bit. Still not entirely understanding the lingo though. Is the term "scheduled" a way of saying that the particular firearm needs to be itemized or appraised or something?

​

That's generally correct. Each insurance company will be a little bit different. But generally a base policy will cover "x" amount. For a higher lever of coverage you may need a Ryder (add on) and if certain items exceed specific value limits they will need to be scheduled (declared /itemized) and they may require an appraisal. Some companies on certain policies may have you supply an appraisal every few years or if you change the policy.

Some policies are offered with automatic increases in value assuming say an item is expected to appreciate in value

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NY700XSergeant
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Firearm insurance
12/30/2016 Last edited 12/30/2016 by NY700
(1 vote)

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I am an insurance adjuster. I Dont handle this type of claim typically but generally a lot of this is the same

1. This sounds common sense but make sure you have good documentation of what you own. Make model serial date of purchase, where you got it from, how you paid and how much

2. Take pictures

3. Keep track of alterations. Some of these policies are declared value policies. Rifle A is worth $2,000. Well if you upgrade and it exceeds the $2k on a declared value policy they will pay $2k max. I see this all the time with motorcycle guys who buy a $10k Harley on a declared value policy then over two years add $10k it paint and chrome and get hosed when it's totaled cause they had the wrong policy

4. Check deductibles
5. Check and understand exclusions. Insurance agents and sales people are not adjusters. They sometimes do not have a full understanding of all the exclusions in a policy ask! And ask to see the actual policy not just the sales pamphlet. Most folks never read their auto policy. Depending on the state it's like 20-30 pages long. You didn't read that at the agents office or online but you signed it. And your health insurance policy....most are 300+pages

6. Check in the policy how value disputes will be handled. Does the policy require you to use arbitration which is typically binding

7. Is it an actual cash value policy or a replacement value policy (not the same thing) actual cash value is what is your car worth. Replacement is what is the dealer charging? Your car is not worth the operating expenses and profit margin the dealership bakes into the price. This is why people get angry when they feel screwed on a total loss. Nearly All auto policies are actual cash value. Home owners policies typically give you a choice. Replacement value is usually more expensive policy but it protects you better

 

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308220

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Re: Firearm insurance
12/30/2016

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davisj3537 wrote:

101stinfantry wrote:

No they aren't saying that at all, some insurance companies require you to schedule items that are valued over a certain amount, it may be $5k, or $10K. I would say to insure the total amount in the event of a catastrophic loss.​

Ok that clears it up a bit. Still not entirely understanding the lingo though. Is the term "scheduled" a way of saying that the particular firearm needs to be itemized or appraised or something?​

No, it just means you may have to get it scheduled. LOL i dont know either man.

May check out this Eastern outfit. Gun insurance is nice to have. Do they cover everything on the rifle? Stock, scope etc etc? Are receipts needed to prove value? Wouldnt pictures and serial numbers be sufficient? A custom barrel is the only thing I could see a receipt playing a major role.

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GreenBlood10

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Re: Firearm insurance
12/30/2016

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I've had Collectibles Insurance for a few years. Haven't had to file a claim with them but I've been very happy otherwise.

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sig2009XSergeant
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Re: Firearm insurance
12/30/2016

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308220 wrote:

davisj3537 wrote:

Ok that clears it up a bit. Still not entirely understanding the lingo though. Is the term "scheduled" a way of saying that the particular firearm needs to be itemized or appraised or something?​

No, it just means you may have to get it scheduled. LOL i dont know either man.

May check out this Eastern outfit. Gun insurance is nice to have. Do they cover everything on the rifle? Stock, scope etc etc? Are receipts needed to prove value? Wouldnt pictures and serial numbers be sufficient? A custom barrel is the only thing I could see a receipt playing a major role.​

I was told Everything is insured. I always take pics of my guns and serial numbers as proof. Receipts are not necessary.

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davisj3537XSergeant
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Re: Firearm insurance
12/30/2016

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I think I get it now. I appreciate you guys helping me understand. Seems I just need a policy to cover X amount of firearms and then any firearms over Y amount will need to be scheduled and have a supplemental rider to the policy. Sounds like if I give Eastern a ring then they can help me understand anything I'm misunderstanding during the process.

NY700, great post. Kind of an insurance for dummies post, which is what I needed. haha

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sig2009XSergeant
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Re: Firearm insurance
12/30/2016

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davisj3537 wrote:
I think I get it now. I appreciate you guys helping me understand. Seems I just need a policy to cover X amount of firearms and then any firearms over Y amount will need to be scheduled and have a supplemental rider to the policy. Sounds like if I give Eastern a ring then they can help me understand anything I'm misunderstanding during the process.

NY700, great post. Kind of an insurance for dummies post, which is what I needed. haha​

Eastern Ins has no scheduling for any firearm. You are given a quote for say $35,000 and everything is covered. There is no X or Y amount.

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dinmax82XGunny Sergeant
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Re: Firearm insurance
12/31/2016

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If you have a firearm worth more then 10k then it will need to be scheduled with them


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--- sig2009 wrote:

davisj3537 wrote:I think I get it now. I appreciate you guys helping me understand. Seems I just need a policy to cover X amount of firearms and then any firearms over Y amount will need to be scheduled and have a supplemental rider to the policy. Sounds like if I give Eastern a ring then they can help me understand anything I'm misunderstanding during the process.

NY700, great post. Kind of an insurance for dummies post, which is what I needed. haha
​

Eastern Ins has no scheduling for any firearm. You are given a quote for say $35,000 and everything is covered. There is no X or Y amount.



---------------------------------------------



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weiserbucksXCorporal
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Re: Firearm insurance
12/31/2016

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On a side note, consider your state laws as well. When I lived in CA I had several firearms stolen and later recovered by law enforcement. Only those registered to me were returned. ALL of the firearms I inherited from my father and grandfather were not registered and we're f-ing destroyed by the state .

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mojavejim

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Re: Firearm insurance
12/31/2016

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The $10,000 limit include optics & accessories mounted to the weapon?

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1stRustXSergeant
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Re: Firearm insurance
01/02/2017 Last edited 01/02/2017 by 1stRust

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If you've got a fair amount of stuff, a rider is the way to go, and a replacement rider if it's a reasonable cost is the way to go.

Record a description of and ALL serial numbers. Take pictures of every item, and make copies on a thumb drive or two. If you have a safe to keep the thumb drives in great, but a safety deposit box is even better in the case of fire.

If you are doing a rider on your homeowners insurance, catalog your TV, stereo, cameras, expensive watches and jewelry and anything else you took a deep breath for before you pulled out you wallet. Oh yeah, if you've been collecting LPs, tapes and CDs and DVDs/Blu-rays since the 60's tale pictures of that too along with a count. Replacing 1,000 or so wouldn't be cheap. Books, take a picture if you have five six foot tall bookcases full of older rarer stuff like engineering manuals and references. Reloading equipment. Tools in the garage, good tools add up fast.

Yes there are deductibles and you have to decide what amount deductible you are willing to pay for.

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dhizaXPrivate
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Re: Firearm insurance
01/02/2017

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Eastern x10. Quoted several companies including State Farm who already insures my cars and house. Rates and coverage were not comparable. Eastern was by far the most affordable and flexible. $50,000 blanket coverage, don't have to catalog guns (serial #s, pics, ect), coverage at home, the range, and your vehicle. All for less than $180/ year.

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NikoH

XFirst Sergeant
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Re: Firearm insurance
01/02/2017

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As I said previously, cheap means schit if they don't pay...Insurance companies are typically well versed in the laws and anytime an insurance company offers me a "deal" I back off. Most are the ultimate in unethical and always fall back on the phrase..."you didn't buy the right coverage...sorry!"

When I talked to Eastern they encouraged me to schedule even though it is not a requirement. I have no issue with that. I almost pulled the trigger but ended up staying with my homeowners due to my past experience with how they handle a claim which was stellar. BTW, my homeowners requires a scheduled firearms rider and requires all sorts of information which I have no issue in providing. If you don't have a firearms rider...you get $200 max per item. My policy is guaranteed replacement with the identical item (hence the need for extensive information) or insured value. This is also an area which can screw you. If you purchased a rifle that cost $2,000 and insured it for that and 5 years later the the rifle was stolen and the replacement cost $4,000, you would get a check for $2,000. People think replacement means replacement but 90% of the time it is replacement OR cash and it is entirely up to them. The lesson is keep your valuations up to date which does cost you more but you at least will get what a replacement will cost

Yes, the rider on my homeowners costs 3X what Eastern charges but as I said, if something goes wrong, I know I will be covered.

It always amazes me that people quibble over a couple of hundred dollars when you consider what we spend on our sticks and optics...not to mention ammo

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padom

XFirst Sergeant
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Re: Firearm insurance
01/02/2017 Last edited 01/02/2017 by padom

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dhiza wrote:

Eastern x10. Quoted several companies including State Farm who already insures my cars and house. Rates and coverage were not comparable. Eastern was by far the most affordable and flexible. $50,000 blanket coverage, don't have to catalog guns (serial #s, pics, ect), coverage at home, the range, and your vehicle. All for less than $180/ year.​

Wow, calling them tomorrow. My Homeowners wanted an arm and a leg and everything catalogued to cover my guns, optics, accessories, etc. Any idea if powder, primers, reloading supplies is covered as well? I mean my reloading setup alone with components included totals over $25k...

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davisj3537XSergeant
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Re: Firearm insurance
01/02/2017

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padom wrote:

my reloading setup alone with components included totals over $25k...​

Wow! Would love to see what a 25k setup looks like. That seems crazy to a noob like me.

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padom

XFirst Sergeant
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Re: Firearm insurance
01/02/2017 Last edited 01/02/2017 by padom

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davisj3537 wrote:

padom wrote:​

Wow! Would love to see what a 25k setup looks like. That seems crazy to a noob like me.​

Well after 3 presses, Dillon XL 650 with all accessories, over 8 toolheads, god knows how many die sets, annealer, tumblers, then add up all the 8# jugs of powder, cases or primers and case after case of bullets it adds up quick...

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padom

XFirst Sergeant
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Re: Firearm insurance
01/03/2017 Last edited 01/03/2017 by padom

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Thanks for the info guys. Spoke to Eastern Insurance today and got a policy all setup pain free. $100,000 coverage was $330/year with $250 deductable per incident, not per item. That is for Blanket Unscheduled coverage with guaranteed replacement cost, NOT cash value. Covers all your items anywhere in the world if you travel with them. Only a firearm valued over $10,000 has to be scheduled and that does NOT include stock, optics, accessories, etc.

I was informed that ALL accessories, firearms, optics, reloading tools, presses, etc. are covered. Reloading supplies are not considered ammunition since they are not put together yet so that is covered. Ammunition is only covered up to $5000.00.

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CarpdoctorXCorporal
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Re: Firearm insurance
01/03/2017

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Thanks for all the replies to my post. Like others, my homeowners insurance was very expensive if I included firearms. I believe that I will give eastern a try.

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XTREMHTR16XFirst Sergeant
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Re: Firearm insurance
01/03/2017

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Tag for future
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davisj3537XSergeant
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Re: Firearm insurance
01/04/2017 Last edited 01/04/2017 by davisj3537

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Contacted Eastern today and was told 40k was their cheapest policy for $150. Not being an NRA member (he specifically asked before quoting) might have affected my quote since everyone else got quotes for policies for 30k or 35k. Maybe that was their old minimum...who knows.

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CarpdoctorXCorporal
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Re: Firearm insurance
01/04/2017

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I spoke with them today also. I am a NRA member and because of that I get a extra 5k of insurance for the same price. The packet they mail out mentions a 5% discount for NRA members. So I assume the extra 5k or 5% discount are options.

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MoneyManWithAGunXGunny Sergeant
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Re: Firearm insurance
01/05/2017 Last edited 01/05/2017 by MoneyManWithAGun
(2 votes)

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No one is going to touch USAA for price, service ,ect.

My gun/optic policy is well over $50K and growing each year. I pay less than $50/month for it tacked onto my car/house policy.

The one time i actually had to use it, the money was dropped into my account the next day. Awesome service, no deductible, and no questions asked payout. Just have to load the pictures, SN and brief description up on the website.



Most of those shitty cheap policies are going to run you through the ringer or deny based on some obscure clause in there. USAA is NO questions asked (other than what it was and what happened), stolen, lost or just disappeared from the planet and they are paying out in a day or 2.

 

[Hazzapatrol]

tag

 

[Sniperwannabee]

01/04/2017[/URL]

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MoneyManWithAGunXGunny Sergeant
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Re: Firearm insurance
01/05/2017 Last edited 01/05/2017 by MoneyManWithAGun
(2 votes)

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No one is going to touch USAA for price, service ,ect.

My gun/optic policy is well over $50K and growing each year. I pay less than $50/month for it tacked onto my car/house policy.

The one time i actually had to use it, the money was dropped into my account the next day. Awesome service, no deductible, and no questions asked payout. Just have to load the pictures, SN and brief description up on the website.



Most of those shitty cheap policies are going to run you through the ringer or deny based on some obscure clause in there. USAA is NO questions asked (other than what it was and what happened), stolen, lost or just disappeared from the planet and they are paying out in a day or 2.

600 a year seems pretty steep