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Insurance question #2430051
03/09/18 06:46 PM
03/09/18 06:46 PM
Joined: Jun 2012
Posts: 6,384
D'Iberville, MS
MS_Hunter Offline OP
12 point
MS_Hunter  Offline OP
12 point
Joined: Jun 2012
Posts: 6,384
D'Iberville, MS
Most home owners insurance won't cover guns, jewelry etc etc. Who actually has a insurance policy on their guns?


In your darkest hour when the demons come, call on me brother and we'll fight them together.
Re: Insurance question [Re: MS_Hunter] #2430087
03/09/18 07:31 PM
03/09/18 07:31 PM
Joined: Apr 2013
Posts: 6,778
Alabama
3
3FFarms Offline
ALDEER SPONSOR
3FFarms  Offline
ALDEER SPONSOR
3
Joined: Apr 2013
Posts: 6,778
Alabama
Most HO policies have a limit of $2,500 or $5K with a per item limit of $1K.

You can "schedule" items on the HO policy for higher value pieces, get a separate personal articles policy, or check into the NRA for a firearms specific policy.


Originally Posted by CNC
Ya'll are just overthinking it now

Re: Insurance question [Re: 3FFarms] #2430128
03/09/18 08:21 PM
03/09/18 08:21 PM
Joined: Nov 2001
Posts: 2,725
Phenix City, Al.
DeerTracker Offline
10 point
DeerTracker  Offline
10 point
Joined: Nov 2001
Posts: 2,725
Phenix City, Al.
I spoke to my State Farm agent who said I needed to get all my guns appraised and he could then write me a separate policy to cover them fully less my deductible.


Not sure how much an appraisal is to cover 12 guns. Sure it isn't free.😁


As for me and my house, we will serve the Lord.
Re: Insurance question [Re: MS_Hunter] #2431060
03/10/18 09:14 PM
03/10/18 09:14 PM
Joined: Mar 2005
Posts: 3,058
Central Alabama
W
WIDGEON Offline
10 point
WIDGEON  Offline
10 point
W
Joined: Mar 2005
Posts: 3,058
Central Alabama
I have a separate policy for all my guns, then another for all our jewelry.. it's about another $500 year and we've had to use it last year.

Re: Insurance question [Re: MS_Hunter] #2431068
03/10/18 09:23 PM
03/10/18 09:23 PM
Joined: Mar 2018
Posts: 16,827
Banana Republic
jb20 Offline
Old Mossy Horns
jb20  Offline
Old Mossy Horns
Joined: Mar 2018
Posts: 16,827
Banana Republic
Get somethin i learned my lesson living in a nice sub in Trussville few years back had 2 nice deer rifles and 2 cheap but sentimental handguns in truck stolen one nite they hit like 10 vehicles in sub that nite..another lesson keep all serial numbers i only had one and it aint been returned yet


They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety.
Ben Franklin
Re: Insurance question [Re: 3FFarms] #2431076
03/10/18 09:26 PM
03/10/18 09:26 PM
Joined: Mar 2015
Posts: 4,416
FL
mw2015 Offline
10 point
mw2015  Offline
10 point
Joined: Mar 2015
Posts: 4,416
FL
Originally Posted by 3FFarms
Most HO policies have a limit of $2,500 or $5K with a per item limit of $1K.

You can "schedule" items on the HO policy for higher value pieces, get a separate personal articles policy, or check into the NRA for a firearms specific policy.


Definitely This. Schedule them on a PAF like 3F says if lots and/or valuable or NRA has Armscor I think for its firearms specific policy.


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