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That was a stock photo, my westie (RIP) was much nicer looking.That Terrier looks meaner to me than does a Pit Bull.
Are you sure it is not loss by theft or mysterious disappearance?
As to Amica - smooth sailing once I explained that a West Highland White Terrier is not another name for Pit Bull.
A decade or so I checked into a hotel room in Seattle only to have a message waiting - "I lost the diamond". The basket holding the diamond on the ring broke off. It was a scheduled item.Misplacing/losing = mysterious disappearance, some include it others don't.
A decade or so I checked into a hotel room in Seattle only to have a message waiting - "I lost the diamond". The basket holding the diamond on the ring broke off. It was a scheduled item.
It was loss by losing, but nothing mysterious about what happened.
The insurance company (Beacon) sent us to a jeweler in Boston to promised (and delivered) on getting a stone meeting or exceeding every GIA spec, though I threw an extra $1K at after my wife picked out the stone to get a nicer one. The claim was not approved until the jeweler examined the setting and wrote a report stating there was no evidence of tool marks or intentional removal. We had to turn in the original GIA papers for the lost stone, but the company did a great job handling the claim. It was not held against us not was renewal denied, though we switched companies a few years later (and had no problems because of the claim history)
Blah, blah, blah, "Insurance companies whine about paying claims," blah
It comes down to what nature the collection is and what you're protecting it against. If you have $10k-$20K in multiple assorted modern guns, none of them exceeding a grand or two in value, then the homeowners policy ought to be fine (scheduling as needed). If you're scheduling multiple firearms over $10K, if you have guns w/ an antique or collectible value or have a collection in the high five or into six figures, then perhaps a specialty insurance policy is in order. Also, what are you protecting against? If theft is the primary concern and you have a substantial value collection, then get a specialty insurance policy. If you think your collection is relatively safe from theft and are more worried about the house burning down, the homeowners policy is probably fine. Given what I have, where my firearms are stored and the security I have at the locations I keep my firearms, my homeowners policy is more than adequate for my needs. I also have clients that have specialty policies for the larger collections/collectibles as well they should.
Either shit's covered, or it's not. If it's not covered, fine. But if it's a covered loss, and I pay the premium to cover it (whether it's a $1300 mountain bike or a freezer full of food), then pay the loss and stop whining.
Insurance companies (and agents) are always quick to point out exemptions that work in their favor ("Oh, sorry. You needed to read the fine print."). Works both ways.
Is "providing insurance advice without a license" more, or less, seriousBeing an instructor and firearms professional, I'd caution against using language like "covers all losses". No policy covers all losses; all policies have limits, deductibles and exclusions which apply. You could be setting yourself up for an E&O, not to mention providing insurance advice without a license.
I'm sure you're technically correct, but people say "IANAL" because people actually get prosecuted for practicing law without a license. Has anyone ever been prosecuted for "providing insurance advice without a license?"
Is "providing insurance advice without a license" more, or less, serious
than "practicing law without a license"?
(Asking for a Senator).
.
The question is where is the line crossed? Are you giving out legal advice without a license if you tell your kid not to drink and drive? After all, you are suggesting a course of action based on the law.What is practicing law other than giving advice?
The question is where is the line crossed? Are you giving out legal advice without a license if you tell your kid not to drink and drive? After all, you are suggesting a course of action based on the law.
Is "providing insurance advice without a license" more, or less, serious
than "practicing law without a license"?
(Asking for a Senator).
I'm sure it would suck big-time if OP suffered a loss,
and he felt Len had mislead him to purchase an inadequate policy.
But...
On the one hand,
I'm sure an Insurance Commission has better things to do
(e.g., maintain consistently urbane manicures)
than to truck around and hassle Len Q. Public
for expressing an opinion about the relative
quality and features of different policies and firms,
when no losses have occurred,
and there's no suspicion of some hinky kickback scheme
between agents and businessmen in related businesses.
And...
On the other hand,
if they did try and jack up @Len-2A Training,
I'm sure he could get Fauxcahontas in his corner.
She's death on Big Business,
and as a connected pol and a Very Important Harvard Law Professor,
she could use the influence of her law practice to...on second thought;
Len maybe you'd better delete your note.
(But seriously @buckfarack, thanks for stepping up).
I’ll refer you to my statement above: “...or the person getting the advice can reasonably assume/believe they’re getting advice from a professional”. I think that covers the parent/kid or friendly conversation argument. I think my scenario about the gun shop owner/firearms instructor/firearms law teacher making blanket statements about firearms insurance is pretty clear as well.
It would be fun to ask about claims made vs occurrence based policy with the NRA. My guess is claims made would leave more room for an NRA commission.As a related note: NRA tried real hard to get instructors to sell their self-defense "insurance", I'm sure many hopped on board. I sat thru their online sales pitch, and even though I'd make a commission if I sold their insurance I didn't feel good about their product nor about selling stuff to students. All I sell is the NRA canned classes with my own spin for added value plus my own creation of explaining Mass gun laws in a seminar.
Do they cover firearms lost in a Boating accident?The standard ISO HO 00 03 04 91 Homeowners Form states:
COVERAGE C – Personal Property
Special Limits of Liability.
5. $1000 for loss by theft of jewelry, watches, furs,
precious and semi-precious stones.
6. $2000 for loss by theft of firearms.
The newer ISO HO 00 03 10 00 Form:
COVERAGE C – Personal Property
Special Limits of Liability.
e. $1,500 for loss by theft of jewelry, watches,
furs, precious and semiprecious stones.
f. $2,500 for loss by theft of firearms and related equipment.
Those are the two most commonly used ISO Homeowners forms, mysterious disappearance is not covered for either jewelry or firearms on the Standard policy.
Most homeowners insurance carriers offer some version of an optional enhanced coverage endorsement which expands the Special Limits of Liability above, here are the wordings from three of my main carriers:
Company 1:
e. $3,000 for loss by theft of jewelry, watches, furs, precious and semiprecious stones.
f. $3,000 for loss by theft of firearms and related equipment.
Company 2:
5. $5,000 for loss by theft, misplacing, or losing of jewelry, watches, furs, precious or semi-precious stones, not to exceed $2,000 on any one item.
6. $5,000 for loss by theft of firearms.
Company 3:
5. $5,000 for loss by theft, misplacing or losing of jewelry, watches, furs, precious and semi-precious stones.
6. $3,000 for loss by theft, misplacing or losing of firearms.
Misplacing/losing = mysterious disappearance, some include it others don't. We include enhanced coverage endorsements on all policies we sell. Anything beyond those enhanced coverage limits would involve scheduling the items on the Homeowners policy and require appraisals or receipts. Some companies offer Blanket valuable articles coverage for specified amounts, usually in the $5-$10k range, the two carriers I checked don't include firearms in that but I know of one other that does up to 10K I think. Typically the per item limit is 10%-20% of the blanket limit.
In my case, I rely on an enhanced coverage limit on my HO policy for my firearms if they're stolen. I split my firearms between two locations and three safes. Both locations have central station reporting burglar alarm systems, the secondary location has old but very strong/heavy bank safe that no one is getting into or moving as well as video monitoring and the alarm system. Worst case scenario for me is that perhaps a third of my guns get stolen at one time and my collection isn't extensive or overly expensive, maybe $15K total w/ the highest single value item around $2k and I could write a check to replace those items if needed (some of them are mistakes I wouldn't bother replacing).
I had them some years ago. Read carefully, unless they changed, they were strictly for "collectibles". I asked them outright about guns you carried (not covered) and guns you took to the range regularly (not covered). They said that if it was a gun you only took to the range a couple times/year that it would likely be covered.Has anybody used Collectibles Insurance Services?
Collectibles Insurance Services | Collect Insure
CIS offers the best collectibles insurance service for whatever you consider valuable- vintage guns, sports cards, comic books, and more!collectinsure.com
Apparently there’s no need to itemize your guns and send serials unless you’re claiming a loss (or unless a single item is over $30k or something).
Folks on Reddit have had good experiences with them, but was curious if real, non-Reddit, people have used them.
I had them some years ago. Read carefully, unless they changed, they were strictly for "collectibles". I asked them outright about guns you carried (not covered) and guns you took to the range regularly (not covered). They said that if it was a gun you only took to the range a couple times/year that it would likely be covered.
So my assessment is that they are good for museums, not so much for shooters. I went to Eastern Insurance and never looked back.