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If insured how did they handle it? did you get your moneys worth or same model of guns back?
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I did hear someone lost all of theirs overboard in an unfortunate fishing accident not long ago....
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Do a search for returned firearms and PM the OP on those posts. There have been a few CGN members who have had their firearms returned after they were stolen. At least one was years later. They should be able to shed some light on the subject.Originally posted by BooshankyOriginally posted by BuddhabellyComment
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No guns stolen, but my range bag was taken out of my apartment. Several hundred bucks worth of stuff inside, most tragically the Kadet kit for my CZ-75, about $300 by itself. I called the NRA ArmsCare insurance ($1000 coverage with NRA membership), but was told they don't cover accessories except those that are attached to a firearm at the time of the theft.Comment
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I had Farmer's Insurance.
Years prior to my burglary, when I mentioned the value of my firearms collection to my insurance agent, I increased my personal asset coverage at his suggestion. Several years later they made a change and said my personal asset coverage was limited to 1000 for all my weapons. I do not recall any notification of this fact.
After I was burglarized, when I argued that I should have more coverage, their records only indicated the increase in personal asset coverage. The two agents in the office had no recollection of why I changed.
The burglar only stole two pistols, but Farmer's lowballed me.
However, since my limit was only 1k for both of them, I got it.
Morale: If you do not have your insurance updated, prepare to bend over.Comment
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Rogerbutthead - I am curious on the background about your avatar?
.Last edited by odysseus; 01-26-2009, 12:19 AM."Just leave me alone, I know what to do." - Kimi Raikkonen
The moment the idea is admitted into society, that property is not as sacred as the laws of God, and that there is not a force of law and public justice to protect it, anarchy and tyranny commence.' and that `Property is surely a right of mankind as real as liberty.'
- John Adams
http://www.usdebtclock.org/Comment
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My aunt and uncle had a pistol, and other things stolen. The insurance company paid a low ball price on everything. When they recovered the gun the insurance company wasn't going to return it. My aunt demanded they return it and cut them a check for the amount she was paid.Comment
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Rogers avatar looks like a asian nazi...Comment
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This is exactly the reason why Insurance is always a good idea!Comment
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Last edited by odysseus; 01-26-2009, 5:12 AM."Just leave me alone, I know what to do." - Kimi Raikkonen
The moment the idea is admitted into society, that property is not as sacred as the laws of God, and that there is not a force of law and public justice to protect it, anarchy and tyranny commence.' and that `Property is surely a right of mankind as real as liberty.'
- John Adams
http://www.usdebtclock.org/Comment
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I saw the pic in some thread about Asians in German uniforms.
He has his belt on in the pic so I was wondering if that meant it was taken when he wasn't a prisoner.
He has no ammo pouches on his belt so I would guess he was impressed for labor - not trusted to carry a weapon.
The pic interested me because his face is similar to my dads.Comment
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I personally think it is ok... an interesting pic for sure... I love old monocromatic pics and it does not matter what it is... just has a feel to it color does not...Comment
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Nearly 20 years in the insurance biz
My advice would be to itemize (also called 'specifying') your guns on what is called "Valuable Articles Coverage", sometimes it's called a Floater. This is coverage above your general contents coverage. The good thing about VAC is that there is no deductible and because each gun is specifically described with a pre-determined value (which you determine), you know EXACTLY what you'll get if they're stolen. Great companies that offer VAC are Chubb or Fireman's Fund. There may be others to consider. You can't buy VAC on it's own, it will have to be in conjunction with your homeowner or renter coverage.
One thing to remember, VAC is intended for collectibles, not guns used in the field. For guns that get lots of use, they should be insured under your general contents coverage (either renters or homeowners coverage). Just make sure your policy doesn't limit the amout of coverage for firearms.
Get to a independent insurance agent that represents Chubb or Fund and they'll get you to the right company. Good luck.Comment
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Yes, I had three of them taken from my apartment years ago. I lucked out when the local PD raided a drug house and found them there. The person that stole them from me was having someone watch them for safekeeping. Obviously the thief didn't take into consideration that their friends were dealing and were under surveillance. Lucky for me, the PD returned them to me shortly thereafter. The person that stole them went to jail...sigpicComment
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