testtest

gun insurance company

Old_Me

Old_Me

Emissary
I got an email from the NRA, regarding gun insurance...they (NRA) included the....Lockton Affinity Outdoor......insurance company in the email link..

since the email is from the NRA, would anyone have any knowledge of that insurance company...???

also, in the questions asked about "storage" they ask about where do you keep the guns...

in a fireproof safe, vault..??

i keep mine in a locked metal cabinet.

as far as an actual safe........i cannot afford anything that huge, or heavy, and it would advertise what i have, if anyone was roaming my neighborhood and saw that delivery

just asking for some information......

thanks in advance
 
Old_Me said:
I got an email from the NRA, regarding gun insurance...they (NRA) included the....Lockton Affinity Outdoor......insurance company in the email link..

since the email is from the NRA, would anyone have any knowledge of that insurance company...???

also, in the questions asked about "storage" they ask about where do you keep the guns...

in a fireproof safe, vault..??

i keep mine in a locked metal cabinet.

as far as an actual safe........i cannot afford anything that huge, or heavy, and it would advertise what i have, if anyone was roaming my neighborhood and saw that delivery

just asking for some information......

thanks in advance
Click to expand...
I would definitely stay away from any insurance from the NRA, if you remember awhile back they had insurance and something happened and they I think got into some kind of legal issues and finally they dropped it, my renters insurance has me on a rider like Anchorite mentioned just like when I had my home insurance
 
Last edited:
Anchorite said:
What about just a rider or umbrella on your homeowners?
Click to expand...
This is what I do. I have a property policy, along with home and auto. Guns are insured under that. They only questions they ask is make/model/serial #/value - which to me is acceptable, because I can’t think another way for an insurance company to provide coverage to a specific item. I can also add/subtract other valuables to that same policy as I need to.

OP - glad you asked that question! Reminded me I need to do some deletions and additions to my policy!
 
yeah, i was thinking to stay away from my home owners insurance.....they only have a top limit of $2,500.

besides who knows, from there, they might want to see where i have them stored, and then i'm thinking my reloading stuff....they might jack up my coverage due to the powder, and primers........frankly, i do not trust that scenario.

all my guns together are over that amount..yes, they devalue or depreciate over time, like our cars, i know this, and i have no real collectable gun in my stable.
 
Lab4Us said:
This is what I do. I have a property policy, along with home and auto. Guns are insured under that. They only questions they ask is make/model/serial #/value - which to me is acceptable, because I can’t think another way for an insurance company to provide coverage to a specific item. I can also add/subtract other valuables to that same policy as I need to.

OP - glad you asked that question! Reminded me I need to do some deletions and additions to my policy!
Click to expand...
As I recall I was asked some general questions (how many handguns, long guns), only had to provide make and model (ie. Ruger Blackhawk 44 Magnum, 7 1/2") and approximate value of my stuff, not serial numbers.

On advice of my agent, I took multiple photos of all my stuff and photos of my safe, and I have a home surveillance system.

Insurance company is aware I took photos and asked for receipt of installation from my camera system. Only question about safe was safe model for fire-related coverage.

I keep a separate list of serial numbers. I keep all that stuff securely stored in the cloud. Insurance doesn't need to know unless and until there is a reported loss. Easy-peasy.

It would be on me to prove the loss value. Having a Browning fire-proof safe was important to the insurance company. Makes it easier to assess the risk (more likely going to have a house fire and not a burglary in my neck of the woods).

The fact I reload never came up. The location of my safe in the house never came up either. Had a rider in a matter of days. Also have umbrella. Wife's jewelry is on that too.

Reality is, some of my stuff could never be replaced, but I can see taking a check.

I would avoid any NRA garbage. YMMV.
 
If I remember right when the NRA insured your weapons if you were a member but the flaw was that most of the states have laws about insurance companies had to register in some states. Under the rules they didn't meet requirements to sell insurance. This is a long ago thing and I can't remember all the details. Again not sure about P@Qs I know I got notified by NRA I would have to go to a different company.
 
Read your policy is the best advice I can give. They have specific limits on personal property. Like $2,500 on guns is typical. That goes pretty fast in todays market. You can typically add an endorsement to increase the coverage up to $10,000. Again, in todays market that does not go too far. Remember, just because you have an HO-3 Policy on your house for $500,000 and it lists $250,000 for personal property, that does not mean you have $250,000 worth of gun coverage. You don't. There are limits on cash, guns, jewelry, furs and so on.
 
An Umbrella Policy was mentioned a couple of times and it is a good idea in todays sue happy society. It does not provide coverage on personal property, but it does add additional liability coverage. So say if you are in an auto accident and the settlement against you exceeds the auto insurance policy limits. With the umbrella policy, it kicks in so you have a higher limit. Without it, basically the company cuts a check for the policy limit and you are on your own beyond that.
 
You must log in or register to reply here.
Back
Top