Home Owners Insurance Discrim

[THBailey]

The NRA has a gun coverage program for members. Don't know much about it other than they send out a lot of junk mail about it.

[DEPUTYBILL]

You also might ask about any policy regarding supplying list with serial numbers to the insurance company.
Long ago I was asking about that. Some companies told me they needed a complete list of all firearms for their records.(I passed on these companies)
Some only needed information if a particular firearm was valued above a certain price.
I also ran into companies that excluded RAW's from being insured.

[IVC]

They only ever ask about firearms for contemplating insurable content values, ...

I would NOT assume this, even though it's most likely true.

You absolutely have to VERIFY why they are asking about firearms. If they are using it for their risk modeling and you answer "no," then later it turns out you *did* own guns at the time you answered "no," they can deny your claim even if you paid premiums.

In case of insurance companies you better read all the paperwork and you better be sure that ALL statements that you make on the SIGNED document are fully correct at the time you sign them.

[The Gleam]

I would NOT assume this, even though it's most likely true.

You absolutely have to VERIFY why they are asking about firearms. If they are using it for their risk modeling and you answer "no," then later it turns out you *did* own guns at the time you answered "no," they can deny your claim even if you paid premiums.

Does anyone assume anything when speaking of contracts? Fools maybe. Only an idiot wouldn't ask why anyway; that would be the natural progression of such a conversation if the question were pitched to anyone on Calguns by their insurance company.

As far as denying a claim, whether asked in the lead-up to binding coverage or not, if the eventual policy issued does not contain any exclusions addressing liability in conjunction with firearms - it's not going to be denied (pending use of the firearm was not an illegal action, intentional or assualt. It must still be a negligent action. ). In this case, the application does not become part of the policy. That is inherent to Professional Liability risks, not an HO policy.

[The Gleam]

You also might ask about any policy regarding supplying list with serial numbers to the insurance company.
Long ago I was asking about that. Some companies told me they needed a complete list of all firearms for their records.(I passed on these companies)
Some only needed information if a particular firearm was valued above a certain price.
I also ran into companies that excluded RAW's from being insured.

Not so much anymore, but they will require that information if you have a loss/fire/stolen firearm.

[DEPUTYBILL]

Not so much anymore, but they will require that information if you have a loss/fire/stolen firearm.

Best thing is to have list, photos, and /or video of all your property kept in a separate secure area.

[The Gleam]

Best thing is to have list, photos, and /or video of all your property kept in a separate secure area.

Always - and back-up copies at a separate location if possible.

Fires burn all.

[JDay]

Which covers....what...maybe 3 guns?

That might cover a rifle and it's optic.

[RedFord150]

I would try State Farm, Farmers or Allstate.

^^^I would skip Allstate. My experience with them is not great. I also believe they are not currently writing HO insurance in CA. I have been with Auto Club on my Primary residence for around 20 years and have been happy. I just switched to Nationwide on the rental property and they seem great. I think my Auto Club Policy only covered $2K on the standard policy. I increased to $5K on a 'Rider'. If I go over $5K, I had to get appraisals. I declined.

The NRA has a gun coverage program for members. Don't know much about it other than they send out a lot of junk mail about it.

^^^Lots of people say the NRA insurance is not great when you have a claim. Luckily, I have never had a claim. Also, some insurance companies limit the amount they will pay on a single gun. It is not always the total firearm limit. We all need to read the policies we buy and see what they actually cover.

[alfred1222]

Which covers....what...maybe 3 guns?

3?!??? That covers 1/3 of a long range .308, maybe 1 AR

[JDay]

Allstate used a policy holders house in a commercial about how great their coverage was while at the same time denying their claim. They are shady.

http://www.businessinsider.com/allstate-wont-pay-sandy-claim-for-house-used-in-ad-2013-1

[AreWeFree]

I've never had an insurance company ask. What I have come across is gun-friendly treatment from AAA and Safeco when I asked about riders.

+1 on safeco, check them out.

Everything is included in limit for personal property, didn't require or ask for separate schedule of specific items. Cash/coins/jewelry have a max coverage under base plan, firearms/electronics/instruments did not require documentation or extra fees.

Seems like a good company.

[duckman1]

"That's an interesting question, why are they asking?"

This is a great question to ask if you are unsure how to answer a question you are being asked for insurance. It allows you to discuss the reason for the question and ask for advice on how to answer. Always answer truthfully and be sure that you are answering the question they are asking.

[drifts1]

3?!??? That covers 1/3 of a long range .308, maybe 1 AR

Or 15 hi-points

[GimpsUnlimited]

+1 on safeco, check them out.

Everything is included in limit for personal property, didn't require or ask for separate schedule of specific items. Cash/coins/jewelry have a max coverage under base plan, firearms/electronics/instruments did not require documentation or extra fees.

Seems like a good company.

I have Safeco and loved them while it lasted. They had great rates and good firearm coverage (but they itemize it, very time consuming). Had a theft claim for under $4k and now I am being cancelled. Check around and that seems to be normal. Oh well, time to go insurance company shopping.