State Farm Agent Recommendation?

[3ngineer]

I've been searching for a gun friendly renters insurance policy and from my research SF seems to be good. Does anyone use State Farm in the Bay Area for homeowner's/renter's insurance and can recommend their agent?

Thanks!

[Pally]

I've been searching for a gun friendly renters insurance policy and from my research SF seems to be good. Does anyone use State Farm in the Bay Area for homeowner's/renter's insurance and can recommend their agent?

Thanks!

I'm in So Cal, however I have St Farm (SF). My agent let me know that SF must have all S/N and detailed descriptions on any guns insured on renters or homeowner's policies. NOPE! I went with NRA for the firearms insurance.

[Chakachaka]

I'm in So Cal, however I have St Farm (SF). My agent let me know that SF must have all S/N and detailed descriptions on any guns insured on renters or homeowner's policies. NOPE! I went with NRA for the firearms insurance.

BS, I'm insured through State Farm and I carry a rider (additional coverage on my firearms and firearms related contents). They do not require all your serial numbers prior to writing the policy. If you sustain a loss and file a claim with ANY insurance carrier, it's common to provide proof of loss (police report, fire damage etc) and proof of ownership (receipts photos serial number)

I work as a property adjuster for a large carrier (not State Farm) and proof of loss and ownership is standard across all home owners policies. I'm sure if you sustain a loss on your firearms, The NRA insurance will request the same info.

Majority of homeowners don't know that their home owners insurance covers their firearms on a covered perils, however there is usually a built in sub limit for firearms and it is quite low.

[AreWeFree]

Look at Safeco, they seem to be a good company and didn't require itemized disclosures or specific riders/scheduled items.

[SunsetIE]

BS, I'm insured through State Farm and I carry a rider (additional coverage on my firearms and firearms related contents). They do not require all your serial numbers prior to writing the policy.

Majority of homeowners don't know that their home owners insurance covers their firearms on a covered perils, however there is usually a built in sub limit for firearms and it is quite low.

Statefarm built in is $2500, I upped mine to 5k for another $24/yr. I asked about a 15k rider, but my agent told me SNs /models were required to write it, no thanks. Maybe he's a fud spreader, I'll have to double check.

[AreWeFree]

Statefarm built in is $2500, I upped mine to 5k for another $24/yr. I asked about a 15k rider, but my agent told me SNs /models were required to write it, no thanks. Maybe he's a fud speader, I'll have to double check.

That's really weird they have specific amounts for firearms.

Safeco considers firearms just regular personal property, like TV's, computers, appliances, furniture, etc. So if you have $100,000 in personal property coverage, well you have up to $100,000 of firearms insurance.

[L84CABO]

Not sure what you mean by "gun friendly." Most renters/home owners policies cap firearms loss in the $2000 range. Anything over that and you will need some type of supplemental insurance. To that end, CollectInsur and the NRA usually have the best rates. You get $2K with your regular NRA membership, if memory serves, so don't forget to factor that in...assuming you're a member...and if not, you should be.

[Dano3467]

Their (SF) gonna want pictures with #'s & estimated replacement $$, that's how mine rolled.

[NorCalFocus]

That's really weird they have specific amounts for firearms.

Safeco considers firearms just regular personal property, like TV's, computers, appliances, furniture, etc. So if you have $100,000 in personal property coverage, well you have up to $100,000 of firearms insurance.

Are you sure about that? Most personal property policies have limits on different classifacations. You can't claim more than $2500 on guns, $10,000 on audio/video, $20k on furniture, etc.

I also opted for a ryder on my guns from state farm. That and one for all my tools in the garage. The ryder not only covers my guns when they are in my home, but at all times. If I took my rifle hunting and dropped it into a lake, I can claim it. If my car gets broken into and they steal a gun from me, its covered.

[3ngineer]

Not sure what you mean by "gun friendly." Most renters/home owners policies cap firearms loss in the $2000 range. Anything over that and you will need some type of supplemental insurance. To that end, CollectInsur and the NRA usually have the best rates. You get $2K with your regular NRA membership, if memory serves, so don't forget to factor that in...assuming you're a member...and if not, you should be.

Gun friendly as in they don't create extra hoops to jump through for guns vs. computers or jewelry.

Their (SF) gonna want pictures with #'s & estimated replacement $$, that's how mine rolled.

What was your claim process like? Once you provided those, was it smooth sailing?

Are you sure about that? Most personal property policies have limits on different classifacations. You can't claim more than $2500 on guns, $10,000 on audio/video, $20k on furniture, etc.

I also opted for a ryder on my guns from state farm. That and one for all my tools in the garage. The ryder not only covers my guns when they are in my home, but at all times. If I took my rifle hunting and dropped it into a lake, I can claim it. If my car gets broken into and they steal a gun from me, its covered.

How much does your rider cost, and what does it cover?

[a.gonzalez]

Are you sure about that? Most personal property policies have limits on different classifacations. You can't claim more than $2500 on guns, $10,000 on audio/video, $20k on furniture, etc.

I also opted for a ryder on my guns from state farm. That and one for all my tools in the garage. The ryder not only covers my guns when they are in my home, but at all times. If I took my rifle hunting and dropped it into a lake, I can claim it. If my car gets broken into and they steal a gun from me, its covered.

FYI, the property coverage on your policy extends outside your home anyways. I am a former State Farm agent, and had many claims covered in other countries, while traveling, etc. The rider (unless they've changed something, or you've had it for a very long time,it's technically a different policy. A Personal Articles Policy) broadens the coverage though. As you said, the rider will cover everything the property coverage on your policy already does (theft, fire, etc), but also covers a lot more, including accidental damage and, my personal favorite, "mysterious disappearance". This applies to nearly all PAP policies though, and is not limited to State Farm's.

[a.gonzalez]

Look at Safeco, they seem to be a good company and didn't require itemized disclosures or specific riders/scheduled items.

Yup, Safeco is great! (disclaimer: I'm a Safeco agent, so of course I'm biased). They are very customer friendly and try to make it as hassle free as possible. While they don't technically require any scheduled items or riders, you should consider adding it for the broadened coverage (accidental damage and "mysterious disappearance" among the most beneficial). Scheduling the items also means that your deductible doesn't apply for those items, so that's another great benefit. The rate, I'd have to double check, but should be $1.80 per $100 of coverage.

[NorCalFocus]

How much does your rider cost, and what does it cover?

$5,000 in coverage for $70/year. We just pay it monthly with the rest of our insurance.

[a.gonzalez]

Gun friendly as in they don't create extra hoops to jump through for guns vs. computers or jewelry.



What was your claim process like? Once you provided those, was it smooth sailing?



How much does your rider cost, and what does it cover?

State Farm will almost almost always require a photo, and more information than many other companies. For anyone who has anything particularly pricey, they also require an appraisal for over $5,000 I believe. There are many companies that are not a hassle for adding the insurance of firearms onto your homeowners. My personal favorites to use (I'm an independent insurance broker) are Safeco and Kemper.

State Farms claims process are typically smooth, but it depends on your personal agent. I used to have to track down claims adjusters and get them to hurry up, meaning if i hadn't done that they may have taken longer. This obviously varies from adjuster to adjuster and company to company, but most respectable companies aren't going to give you too much of a hassle as long as they have the proper documents and verification. A photo or receipt (DROS) should be plenty of evidence.

The cost of the rider or Personal Articles Policy, will vary depending on company, but is usually somewhere between $1.25 and $2 per $100 of coverage. This coverage has a $0 deductible and covers practically anything you can reasonably think of.

[AceGirlsHusband]

Just close your eyes and say, "State Farm is THERE" and an agent will appear.