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Do people take out an additional coverage on their homeowner's policy for their guns?
Do you own a home?
If you have home owners you can cover them on that policy, but you will have to provide you agent/ insurance company with the information.
What level of information do they need? Are model numbers/configurations enough or do they require SNs?
I've been hoping they are covered under my normal policy....or better yet, hoping the same thing as insurance for everything else.... that I never need it
I've been hoping they are covered under my normal policy....or better yet, hoping the same thing as insurance for everything else.... that I never need it
Well it depends on the company.
Some want Serial numbers and others just want receipts. If you dont have the receipts you can have any firearm appraised.
You can also cover any ammo you have on hand, that you dont plan on shooting.
Cool. Once I buy a house I'll have to look into this as I plan to increase my collection steadily after that point.
You mean I can't cover ammo I shoot? 'The ammo's accuracy was 1/2 MOA off!'
I've been hoping they are covered under my normal policy....
If you dont have a home owners policy and you rent. There is renters insurance polices, which specifically covers your personal belonging.
Being a tenant, its one of the best things you can do to protect yourself in case the owner doesn't have the proper insurance. Also tenants belonging are never covered by a landlords property policy. Its very inexpensive and very worth the money!
Some Ins. co. don't want to hear about guns, just like some kinds of dogs, tread lightly when you inquire.
Some have riders that limit the total coverage of some items, firearms included. My State Farm policy is limited to $5000.00. My agent told me to buy firearm's specific coverage if I wanted higher coverage.
In fact it was the serial numbers off the TV and Ipod
I can't image having a total lose due to a fire or disaster.