why doesn't homeowner's insurance ask about guns?

[calvinsmom]

We are changing both car and homeowners due to girls getting their licenses and adding a truck for them. The 140 lb rottie mix seems to be the big hang-up, I get that, but the guy who comes to snap pics of dogs goes on to ask about woodstove, trampoline, takes pics of horse, chickens and our potentially lethal ducks. All over the house are my kids medals, trophies, pics. etc.. but that is the one question he doesn't ask. I am not complaining, but seems to me esp. in Mass. that would be the one question they'd ask.

 

[robjax]

they don't want to know.

 

[houdini]

do not tell, they will not ask.

 

[falcon123]

Also, what dog? Tell them the dog is gay. Don't ask, don't tell.

 

[jason19711971]

please don't give them ideas

 

[Kylep427]

Double check what your policy has underwritten for guns. My home policy had only $1,500 for firearms for fire and theft replacement. ( wife's jewelry was the same) We had to increase the dollar amount to cover some of what I have. Need to increase this now for the guns just seem to multiply by themselves. It really only costs a few extra dollars a month for the extra coverage.

They dont care care what you have now, but in case of loss, you will have to prove what you had and what you had coverage for.

Insurance is all about statistics and their liability, kind of a game, but if you do your part and really think about a true dollar value of what you have and get coverage for the items, it's small money to be truly covered.

 

[Asaltweapon]

A good friend had a total loss fire. I'm talking right to the concrete. Lots of steel and memories gone.

Cheap ain't good. Let this be a lesson to you all. He was and still is one of us to the core.

If you pay attention you will do a walk around with stills and/or vids clearly showing what you "had" in order to justify your claim. Get every drawer and corner. Don't forget the nooks and crannies. Otherwise you get to rebuild the house before the fire. Good freaking luck with that.


Please let us all know how that cheap HO policy worked out for you.

 

[HuntMaine]

Thats a terrible question, erase the POST!!!!

 

[fishgutzy]

Try State Farm, if they are in MA. They use science, not myth when it come to dogs. They did not care that we had a Pit/ Mastiff mix. They don't care how many weapons we have in the house or how they are stored.
State Farms judges each dig based on behavior. If your dog, regardless the breed, ever causes a liability claim, then no future bad behavior by the dog will be covered. No breed specific bans or surcharges.

 

[drgrant]

I am not complaining, but seems to me esp. in Mass. that would be the one question they'd ask.

This makes no sense whatosever. Not sure why being "in mass" it would make it more likely to be asked, if anything it would be less, the guns per capita rate here is pretty much in the toilet compared to probably like 40+ other states. I bet even other commie states like CA and MD beat us on that mark.

-Mike

 

[fishgutzy]

Double check what your policy has underwritten for guns. My home policy had only $1,500 for firearms for fire and theft replacement. ( wife's jewelry was the same) We had to increase the dollar amount to cover some of what I have. Need to increase this now for the guns just seem to multiply by themselves. It really only costs a few extra dollars a month for the extra coverage.

They dont care care what you have now, but in case of loss, you will have to prove what you had and what you had coverage for.

Insurance is all about statistics and their liability, kind of a game, but if you do your part and really think about a true dollar value of what you have and get coverage for the items, it's small money to be truly covered.

Ditto. You can get a rider for additional line item coverage over the baseline. This is generally true for all insurance since it is one of the areas with high fraud rates.
Same thing if you have done extensive and expensive mods on a car. If you want that covered you need an appraisal and pay the higher premium to cover it.

 

[Rider]

You are a god-damned Communist.

Yes, I am trolling you, but I suppose trigger warnings are supposed to come first.

The fact that insurance companies don't ask you about your guns indicates a few things. First, the wicked smart math dudes crunched the numbahs, and the likelihood that a homeowner is going to do something stupid with a gun in their home is, well, non-existent. Second, the insurance company won't have to pay for it. Third, since the base limit for coverage is low, there is no point in asking, as you will have a schedule for anything valuable, as you would with jewelry and bikes.

I am surprised that insurance companies don't ask about dildoes. It seems to me that having a dildo in your house can lead to serious injuries.

 

[spcantwell]

Insurance... legalized gambleing..
(you)Bet you my house burns down this month....
(them)Bet you it wont...

And yes I do have it, though not enough for my toys, I know, but I am takeing the gamble and trying tobuy more instead

 

[whacko]

You are a god-damned Communist.

Yes, I am trolling you, but I suppose trigger warnings are supposed to come first.

The fact that insurance companies don't ask you about your guns indicates a few things. First, the wicked smart math dudes crunched the numbahs, and the likelihood that a homeowner is going to do something stupid with a gun in their home is, well, non-existent. Second, the insurance company won't have to pay for it. Third, since the base limit for coverage is low, there is no point in asking, as you will have a schedule for anything valuable, as you would with jewelry and bikes.

I am surprised that insurance companies don't ask about dildoes. It seems to me that having a dildo in your house can lead to serious injuries.

This! Its a good thing for us. It means the actuaries for the insurance companies (the statistics experts) have researched/crunched the numbers and realize gun ownership adds VERY little risk to the insurance company so it is not an issue with coverage. Trust me.......if the actuaries ran the numbers and it was even a slight increase in risk......they would ask......and charge more.

 

[Tallen]

This! Its a good thing for us. It means the actuaries for the insurance companies (the statistics experts) have researched/crunched the numbers and realize gun ownership adds VERY little risk to the insurance company so it is not an issue with coverage. Trust me.......if the actuaries ran the numbers and it was even a slight increase in risk......they would ask......and charge more.

I suspect if they combined it with other factors about the homeowner (no criminal history, no mental health issues) it actually reduces risk since responsible firearm owners tend to be more responsible than the average Joe in everything else. That would have financial implications that don't suit an insurance company's bottom line, and political implications that don't suit The Narrative.

 

[whacko]

I suspect if they combined it with other factors about the homeowner (no criminal history, no mental health issues) it actually reduces risk since responsible firearm owners tend to be more responsible than the average Joe in everything else. That would have financial implications that don't suit an insurance company's bottom line, and political implications that don't suit The Narrative.

Like I said........its a good thing they don't ask. Just don't expect the gun grabbing twatwaffles in the Boston Legislature to pay attention to this fact in an arguement.

 

[Len-2A Training]

When I shopped for insurance last year, none asked but one sent me their FILLED IN questionnaire and the agent had checked "no guns" on the form. MetLife knew as they offered me the NRA discount off the top, so it is a non-issue for them. Try Amica and you will likely be denied since you are a gun owner, they have asked numerous people and then denied them, it's all here if you search.

 

[Len-2A Training]

And adding guns to a rider on your HO is very expensive considering the alternative choices out there (NRA, Historic Firearms, etc.) and there are other reasons why this isn't wise. Also been discussed to death here numerous times. Searching will find a ton of info on the topic.

 

[je25ff]

USAA actually offered to insure any firearms I had separately, as it wouldn't be covered under a normal homeowner's policy (just like if you have a lot of $$$ in jewelery. I didn't even have to ask and they didn't ask.