Check your Firearm Insurance coverage - XDTalk Forums - Your HS2000/SA-XD Information Source!

**Bycyclist** · 01-02-2007, 02:33 PM

As I am about done collecting guns for awhile (yeah, right), I thought I should confirm insurance coverage. Turns out my homeowners insurance specifically exclude all firearms and will not even underwrite separate rider. I suspect most insurance companies exclude firearms coverage.

So I checked with NRA and ended up getting endorsed ArmsCare insurance - about $150 per year to cover about $10K worth of firearms, which seems like a pretty good deal. Just thought I'd pass that along.

http://www.locktonrisk.com/nrains/armscare.asp

They also offer Self-Defensive, Excess Liability, and Firearms Collection (for those of you who really have $$ tied up in firearms).

slugger6 · 01-02-2007, 03:06 PM

Thanks for the tip. That is good to know.

**KingAirDriver** · 01-02-2007, 05:13 PM

Damn insurance anti-gun Nazis. %!@#^&$%%!$@!!!!!

BBunin · 01-02-2007, 06:34 PM

Doesn't a certain amount of firearms insurance come with your NRA membership?

blefferd · 01-02-2007, 06:35 PM

i think its like 1000$ which isnt a whole lot if you own more than 2 guns (normally)

**Majk** · 01-02-2007, 06:38 PM

Great post, I've never really checked my home insurance. I guess I was under the impression that it would, considering we have a flat replacement amount.

I think tomorrow the insurance man is getting a call. Great information and good reminder to check.

sturmruger · 01-02-2007, 06:56 PM

I went with the Armscare as well. I really don't ever want to loose any of my guns but if they do get lost I would like to be able to get them replaced quickly.

JJG · 01-02-2007, 07:33 PM

I am with American Family insurance. I will check with them tommarrow and let you all know there coverage.

Prometheus · 01-02-2007, 08:21 PM

Quote:

Originally Posted by blefferd

i think its like 1000$ which isnt a whole lot if you own more than 2 guns (normally)

Back in 2001 it was $400 bucks worth of coverage. I dropped my NRA membership since in favor of actual pro-gun groups like GOA and JPFO.

This is something to look into. My home owners policy only covers upto $2,000 on firearms. You can purchase additional blocks of $1,000 for $10.00 a year upto $10,000 total. Cheaper than the NRA add on insurance, but it tops out.

There are several specialty companies that insure proerty (like expensive jewlery, furs, antiques ect. ect.) that offer personal property insurance at very discounted rates for people getting block of 10k, 50, 100k ect. ect....

Don't assume your 'home owners' insurance covers everything in your home. Jewlery also tops out around 2-5k on most policies as well.

**KingAirDriver** · 01-02-2007, 09:05 PM

Quote:

Originally Posted by JJG

I am with American Family insurance. I will check with them tommarrow and let you all know there coverage.

I would appreciate that. I'm with them too, and am about to become a 1st home owner.

01-02-2007, 02:33 PM	#1
Bycyclist XDTalk 1K Member Join Date: Aug 2006 Location: NorCaliforneeya Posts: 1,829	Check your Firearm Insurance coverage As I am about done collecting guns for awhile (yeah, right), I thought I should confirm insurance coverage. Turns out my homeowners insurance specifically exclude all firearms and will not even underwrite separate rider. I suspect most insurance companies exclude firearms coverage. So I checked with NRA and ended up getting endorsed ArmsCare insurance - about $150 per year to cover about $10K worth of firearms, which seems like a pretty good deal. Just thought I'd pass that along. http://www.locktonrisk.com/nrains/armscare.asp They also offer Self-Defensive, Excess Liability, and Firearms Collection (for those of you who really have $$ tied up in firearms). __________________ =============================================== BYcyclist - the worst day on a ride (or at the range) is better than the best day in the office ===============================================

01-02-2007, 05:13 PM	#3
KingAirDriver XDTalk 1K Member Join Date: May 2006 Location: FL230 and KS Posts: 1,381	Damn insurance anti-gun Nazis. %!@#^&$%%!$@!!!!! __________________ "When life's on the line, we're in the air." Freight Dogs - Order of the Sleepless Knights.

01-02-2007, 06:34 PM	#4
BBunin XDTalk 2K Member Join Date: Dec 2004 Location: Reno, NV Posts: 2,029	Doesn't a certain amount of firearms insurance come with your NRA membership? __________________ . When seconds count, the police are only five minutes away. ------------------------------------ MY PARTIAL TOY LIST XD-9 5" (Production) XD-40 5" (Limited10) SA 1911 Loaded (Limited10/SingleStack) STI Spartan (Limited10/SingleStack) Kahr PM9 (CCW) KT P3AT (CCW) Remington 11-87 (Trap) Remington 870 Express (HD/Trap) Misc Rifles for fun and hunting

01-02-2007, 06:35 PM	#5
blefferd XDTalk 1K Member Join Date: Jul 2005 Location: FLORIDA Posts: 1,450	i think its like 1000$ which isnt a whole lot if you own more than 2 guns (normally) __________________ SA XD 45GAP S&W 642 38SPL Glock 19 9mm Winchester Model 70 .308 Benelli Nova 12g Ruger 10/22 German K98 8MM New England Firearms Pardner 20g Norinco SKS 7.62x39 Polish TanTal 5.45x39 East German Markarov 9x18

01-02-2007, 06:38 PM	#6
Majk XDTalk 2K Member Join Date: Oct 2004 Location: Nebraska Posts: 2,640	Great post, I've never really checked my home insurance. I guess I was under the impression that it would, considering we have a flat replacement amount. I think tomorrow the insurance man is getting a call. Great information and good reminder to check. __________________ --------------------------------------------------------- majkthreads Psalm 28:7 "The Lord is my strength and shield; my heart trusts in Him, and I am helped."

01-02-2007, 03:06 PM	#2
slugger6 XDTalk 20K Member Join Date: Dec 2006 Location: Ohio Posts: 20,125	Thanks for the tip. That is good to know.

01-02-2007, 06:56 PM	#7
sturmruger XDTalk 500 Member Join Date: Apr 2004 Location: River Falls, WI Posts: 665	I went with the Armscare as well. I really don't ever want to loose any of my guns but if they do get lost I would like to be able to get them replaced quickly. __________________ XD Aficionado pics of my guns

01-02-2007, 07:33 PM	#8
JJG XDTalk 100 Member Join Date: Mar 2005 Location: Fruitland, Idaho Posts: 265	I am with American Family insurance. I will check with them tommarrow and let you all know there coverage. __________________ Earth First! We'll log the other Planets later!

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