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Discussion Starter #1
I called State Farm and asked if I had insurance on my guns. She said yes my home owners policy covered it. I asked what if I was hunting and I fell in a creak and broke the stock on my shotgun. Well, its not covered she said. So, I took out a separate policy that will fix, replace or what ever it takes should I brake my shot gun stock or have a over charged load and get a Kaboom and blow my Glock up!

I guess what I'm getting at, it wouldn't hurt to check if your guns are protected against breakage when your out with them. She asked me which one I would have out the most. I said, well I shoot them all when I target practice. I wasn't about to say I CCW with my Glock.

That brings me to this, I have NRA self defense insurance that's not a bad idea either.

$2,500.00 cost me $38.00 per year.
 

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My home owners covers up to $1000 for guns lost to fire/damage, any thing over taht amountthey want specifics ie serial numbers.
 

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My home owners covers up to $1000 for guns lost to fire/damage, any thing over taht amountthey want specifics ie serial numbers.
Mine covers the same amount. I have that in just two firearms, so additional insurance it is. I thought we had extra...but then again I think it was just for the wife's jewelry!
 

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Records, records, records.....DETAIL always up to date records. Copy those records and store in multiple places. Don't ask me how I know this.:(
 

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Discussion Starter #9
I had to give serial numbers, and what I paid for them. Just before I left with this info she asked if I wanted inflation cost, meaning replacement price. I said yes and asked what it would cost on top of what I was told. She said she didn't think it was more but if it was all I had to do is change my mind and go back to just what the cost is now.

I have a separate policy on my wife's jewelry too. If I understand my home owners policy only covered her jewelry at home just like my guns used to be.
 

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Never hurts to have a fireproof gun safe for the guns and jewelry. Do you know if they give a discount if you have everything in a safe? I bet they would...
 
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