Gun insurance

Discussion in 'Off-Topic' started by Glock22Gen3, Jan 25, 2012.

  1. Glock22Gen3

    Glock22Gen3 New Member

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    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.
     
  2. I have the NRA insurance also.

    As for gun insurance, it would depend on the deductible.
     

  3. Glock22Gen3

    Glock22Gen3 New Member

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    No deductible. Unless she lied to me. My house insurance had the deductible. One reason I was told to get the separate policy.
     
    Last edited: Jan 25, 2012
  4. EvilD

    EvilD New Member

    My home owners covers up to $1000 for guns lost to fire/damage, any thing over taht amountthey want specifics ie serial numbers.
     
  5. Glock22Gen3

    Glock22Gen3 New Member

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    I don't know what made me think to ask what my home owners insurance did cover for my guns, I'm glad I did.
     
  6. if thats the case then you did good.
     
  7. KeenansGarage

    KeenansGarage Hiding in plain sight....

    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!
     
  8. 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.:(
     
  9. Glock22Gen3

    Glock22Gen3 New Member

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    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.
     
  10. KeenansGarage

    KeenansGarage Hiding in plain sight....

    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...
     
  11. Glock22Gen3

    Glock22Gen3 New Member

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    No I never asked, they didn't even ask if I had any type of safe closer of any type.

    I have a 3 latch style locker and a hand gun locker bolted to the top of that. It would be hard to get a large gun safe where I would want it. Its up stairs no matter what door I go in.
     
    Last edited: Mar 11, 2012