Anyone have a good agent and a reputable easy to work with company/agent recommendation?
Thanks in advance
Thanks in advance
Follow along with the video below to see how to install our site as a web app on your home screen.
Note: This feature may not be available in some browsers.
Try your current bank/insurance company. I have a specific rider via USAA that covers value personal property outside normal HHG. So jewelry, artwork, firearms, computers. Everything on this rider is covered regardless of location and/or who currently possesses the item (i.e., in the middle of a move lets say).
I considered a rider, but my homeowners policy wanted the items scheduled and I didn't really like that. With Collectibles, only items with a individual value of 20 thousand + needed itemizing and no one piece I covered met that criteria. Although that's a great place to start.
Much like you, I pre-scout first. But there is a lot of info you need that is NOT provided by google earth. Not all BLM is ok to target shoot on. Some will have county ordinances that superseded BLM stuff. BLM also has some funky rules about not shooting over non-BLM or square hoping.
The attached PDF was actually done about 7 years ago and was hastily put together for someone asking for help. If you click on the attached it should download automatically.
It’s cheaper that you’d think. If you rent you can put it on renters insurance. When I was renting I got $150,000 for $200 a year. There’s a lot of companies that can insure your stuff
I have a rider on the homeowner's policy.
Try your current bank/insurance company. I have a specific rider via USAA that covers value personal property outside normal HHG. So jewelry, artwork, firearms, computers. Everything on this rider is covered regardless of location and/or who currently possesses the item (i.e., in the middle of a move lets say).
Eastern insurance. I have $50k insurance without having to give them a list. It’s something like up to 5k of that can be used for loading equipment and ammo. It’s under $150/yr.
Just have to produce a police report for stolen goods or whatever type of accidental/fire report. For theft, it has to be forced entry. So, just make sure your doors are locked wherever the rifles are.
Just curious if you have ever filed a claim and how it went. USAA has spoiled me in that regard on issues not pertaining to guns.
I have not. But haven’t read any bad reviews.
I also am a USAA member of almost 40 years. When I enquired last (several years ago) the only way guns were covered on a rider was if declared and you had to provide all the serial numbers.... decided I would pass at the time being that I felt giving them serial numbers before a loss was too invasive. Has this changed?
Correct, that is still their practice.
Hopefully, someone will answer the phones tomorrow. I live in a fairly isolated safe community, but there are always tweakers, etc. Being evacuated, really opened up my eyes to needing insurance, not so much for fire, but with my 18' trailer loaded with rifles etc. in front of the Hyatt or whatever for 2 weeks!
USAA is more expensive. About $100K is around $1100/yr but that covers anything from losing to stolen ect. I have already had one claim and from time I submitted claim to money in my account was 2 days $4500.Eastern insurance. I have $50k insurance without having to give them a list. It’s something like up to 5k of that can be used for loading equipment and ammo. It’s under $150/yr.
Just have to produce a police report for stolen goods or whatever type of accidental/fire report. For theft, it has to be forced entry. So, just make sure your doors are locked wherever the rifles are.
NO they haven't, USAA asks for all numbers.I also am a USAA member of almost 40 years. When I enquired last (several years ago) the only way guns were covered on a rider was if declared and you had to provide all the serial numbers.... decided I would pass at the time being that I felt giving them serial numbers before a loss was too invasive. Has this changed?
USAA is more expensive. About $100K is around $1100/yr but that covers anything from losing to stolen ect. I have already had one claim and from time I submitted claim to money in my account was 2 days $4500.
I would be highly skeptical. Not all Insurance is the equal and if it sounds too good to be true, it is.
You should be paying about 1% annual to insure these items.
I have the same rider for firearms on my homeowners policy. I use an independent agent in my state and move around yearly based on price. It is pretty seamless.Try your current bank/insurance company. I have a specific rider via USAA that covers value personal property outside normal HHG. So jewelry, artwork, firearms, computers. Everything on this rider is covered regardless of location and/or who currently possesses the item (i.e., in the middle of a move lets say).
USAA is more expensive. About $100K is around $1100/yr but that covers anything from losing to stolen ect. I have already had one claim and from time I submitted claim to money in my account was 2 days $4500.
I would be highly skeptical. Not all Insurance is the equal and if it sounds too good to be true, it is.
You should be paying about 1% annual to insure these items.
Need way more -- talked to her on the phone, so far promising, but my area is still blacklisted. You'd think I'm Chicago instead of the forest.Laura Sewall CIC, CISR
Account Manager II
Historic Firearms Insurance Dept.
Eastern Insurance Group
933 Webster Street, Marshfield, MA 02050
Office: 800-545-9326 Fax: 508-652-4392
[email protected]
+1 for Eastern. Don’t need to declare any individual item under $10k and $45k coverage for $150 annual. Includes $5k ammo and $5k reloading equipment. You can purchase more coverage for ammo and reloading equipment if needed.
I know this feeling and it sucks. My house flooded once about 5 years ago (like 4 feet deep lol) and I had to empty out all of my safes and load everything into vehicles and head to a hotel. The most ghetto hotel I've ever been to (everything was sold out). Almost immediately guys were walking past the vehicles eyeballing them as if they were going to try and break in. They must have caught a glimpse of something when we were unloading and let's just say they were not discrete at all. About an hour after we arrived I realized there was no way in hell we could leave anything in the vehicles.. so we went down and grabbed everything out of the vehicles and brought them into the room.. Luckily it was only one night and then we were able to get in with family.Hopefully, someone will answer the phones tomorrow. I live in a fairly isolated safe community, but there are always tweakers, etc. Being evacuated, really opened up my eyes to needing insurance, not so much for fire, but with my 18' trailer loaded with rifles etc. in front of the Hyatt or whatever for 2 weeks!
@Diver160651 do storage companies offer insurance, load your safe there until the fire situation settles and you can get a policy you are comfortable with?
Sean,
I don't know, but today I was told Eastern will insure me.
All,
The great part is, that while Eastern's 100K policy + supplemental on reloading gear will not cover me in a total loss situation, it will cover my gear in both my Wyoming house and here in CA under the same policy at no additional cost. I can not see any possible way that I would have a total loss at both places, and in actuality probably not here in CA as I have a go trailer locked and loaded (literarily). 100K would get me back in the game, but the most likely event would be a loss during travel to a match, hunting, or anything else that involves long periods in locked vehicles.
I think if more people added up, the gunsmithing, FFL, and every single part, they might be surprised what they have invested. As I was telling Sean and about 12 of us in our silly text group last night, I was blown away with just the $ investment on my current spotting optics gear I have sitting around.
My premium looks to be about $350. This has been a great thread and you guys all have been very helpful.
Agreed, thanks for posting this thread. While i've been in the "set and forget it" mode with USAA, my premiums are around the 1% of total value. I did bite the bullet and surrender SN information which I am still ok with as most of shit I've ensured is SOT/Class 3 and that info is readily accessible by the OGAs.
But it does make me pause and want to explore other options.