GUN INSURANCE

[SMOKEY12103]

I JUST READ CLAYTON'S ARTICLE ABOUT HIS LOSS DUE TO FIRE. AS A CAREER INSURANCE AGENT (RETIRED) I CAN'T ECHO CLAYTON'S MESSAGE ANY LOUDER. ALL HOMEOWNERS POLICIES, REGARDLESS OF COMPANY, STATE, ET,.HAVE INTERNAL LIMITS, FOR EXAMPLE JEWELRY. YOU CAN HAVE $100,000 OR MORE PERSONAL PROPERTY COVERAGE BUT YOU'LL FIND A LINIT ON JEWELRY, CASH, ETC. BECAUSE OF THIS, EVERYONE SHOULD REVIEW THEIR POLICY FOR THESE "INTERNAL LIMITS" AND ACT ACCORDINGLY REGARDING YOUR PARTICULAR NEEDS. SUCH COVERAGE COMES IN THE FORM OF "INLAND MARINE" INSURANCE WHERE YOU CAN LIST AND VALUE EACH ITEM. IN ADDITION TO AN "INLAND MARINE POLICY" YOUR HOMEOWNERS COMPANY MAY BE ABLE TO ADD A "PERSONAL PROPERTY FLOATER" WHICH I DEEM BEST IF AVAILABLE. ONE CARRIER, ONE POLICY, ETC. IT IS TRUE THAT GATHERING THE NECESSARY INFORMATION TAKES TIME AND EFFORT BUT IN THE EVENT OF A LOSS, IT WILL HAVE BEEN WORTH THE TIME. I'M GLAD CLAYTON TOOK ACTION. INSURANCE CAN COVER THE LOST ITEMS BUT, NOT THE MEMORIES.

 

[HayesGreener]

I have a separate policy on my guns with CORVENS. Peace of mind is important, I have a few very valuable pieces

 

[Jekylmeister]

I have an endorsement on my homeowners policy that increases the limits on Firearms, jewelry, and musical instruments. I believe I'm pretty well covered in the event of a total loss.

 

[Mr.W.]

Who's he yelling at?

 

[BassCliff]

Hi,

I guess I should check my policy.

Thank you for your indulgence,

BassCliff

 

[az4783054]

why is he yelling at us?

 

[HayesGreener]

Who's he yelling at?

WHO'S YELLING?

 

[Annihilator]

WHO'S YELLING?

WHAT?

 

[Kcredsox26]

No, who's on first!

 

[KillerFord1977]

 

[Belt Fed]

@BET7 insurance policy gotta be like a million a month.

 

[Jsimon78]

I hear a lot of screaming. Did you guys forget to turn up your hearing aids? Now my ears are ringing even more.

 

[NMEDGE]

Although I would be heartbroken if my Glocks got melted in a fire, they are not that expensive to worry about. I no longer own very expensive pieces anymore. I sold all the old Colts I once had a few years back.

 

[Jsimon78]

I have a lot of metal mags for 8 guns. I guess I got used to it.

 

[BET7]

@BET7 insurance policy gotta be like a million a month.

More like two million, which is probably half of what yours must be

 

[KillerFord1977]

If my house went up in fire:
- it would burn for weeks. I have a massive amount of hooch.
-I dont know which would be worse, the hooch loss or the guns. Some of my hooch is more than some Sand Vipers

 

[Jekylmeister]

At the risk of sounding like it's gonna sound.......
It's just stuff. Most stuff can be replaced. If it can't, protect it better.

 

[KillerFord1977]

At the risk of sounding like it's gonna sound.......
It's just stuff. Most stuff can be replaced. If it can't, protect it better.

Yeah, it’s stuff, but means something. Dad’s old rifle. Grandpa’s old gun. Momma’s treasures. Stuff. Means something. It can never replace a person, but when they are gone, by golly, it means something.

 

[KillerFord1977]

At the risk of sounding like it's gonna sound.......
It's just stuff. Most stuff can be replaced. If it can't, protect it better.

Yeah, 1971 Macallan can’t be replaced. Plus, it is protected.
Raging inferno and alcohol don’t mix

 

[Jekylmeister]

Yeah, it’s stuff, but means something. Dad’s old rifle. Grandpa’s old gun. Momma’s treasures. Stuff. Means something. It can never replace a person, but when they are gone, by golly, it means something.

Totally agree, Ford. That stuff belongs in the "can't be replaced" category.