State Farm: No Coverage For Ammo

[M1NM]

Those 15 rare un serialized pre 1968 guns that were stolen should cover the ammo.

[billped]

State Farm sucks.

[therealnickb]

Did you have issues establishing the value of the home or the "everything in it?"

I've had State Farm for decades and recently had a fire total a rental property. They quickly paid the $600,000 replacement cost, another $30,000 for asbestos cleanup, and a year's worth of lost rent. 20 years ago I totalled a car and they paid promptly then too.

On the other hand, I don't use them for specialty stuff like my classic car.

If memory serves, most of the losses in that Oakland event were way way underinsured. Lots of litigation to sort it out.

Your experience with State Farm is more typical. That big fire was a wake up call for every insured in ca.

[therealnickb]

Those 15 rare un serialized pre 1968 guns that were stolen should cover the ammo.

Hey, nice felony you got there!

[tanks]

Said up to 5k for guns but zero on ammo. Is that common? Renters insurance. Agent compared ammo to the software on a computer saying "if someone steals your computer we cover that but not the programs on it".

The statement in bold is not true. My computer was stolen (along with my HK 45) a while back. Not only State Farm covered my computer but paid for about $1K worth of software that I had to buy again (had receipts).

[Jimmy's]

So is the TP in the bathroom and the food in the fridge and pantry, they pay for all of it.

Try to collect on the ammo, I'll wait.

[duckman1]

Try to collect on the ammo, I'll wait.

Have you seen the exclusion in writing? I don't work with SF but I work with many other companies and have never seen it excluded.

[Skip_Dog]

If any one covers ammo in a policy, can you summit a claim after ever range trip. Call the agent and report that 1000+ rounds of ammo were destroyed in tiny individual fires?

[Jimmy's]

Have you seen the exclusion in writing? I don't work with SF but I work with many other companies and have never seen it excluded.

NO but I did insurance construction work ie.. Fire and flood for 11 years and talked with every single customer and even though numbers were very few maybe 5 none were compensated for lost ammo and some not even for the firearms amongst many other items. Not saying it would never happen but odds are very very slim. This was in California.

[duckman1]

Almost 30 years selling insurance in CA I have read the policies.....I don't play odds I play contacts.

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[GW]

So add a rider to the policy specifying what you're covering.
Farmers does that.

[MontClaire]

If he cannot show you the exclusion in writing it's covered as personal property, period. It's not anything like software which is digital.

Even Software is covered. Always read exclusions. If it's not there, then it's covered.

[deadcoyote]

I have State Farm, we ran into this issue with guns in general. My state
Farm guy was pretty cool, explained getting a generic rider policy for specialized high value items was cheaper than a Line Item for guns. I ended up just optioning an $18k rider and providing a thumb drive with photos to document what it covers.

[Spaceghost]

Ammunition is covered, subject to your deductible just like all personal property. Reloading components are not covered. Keep your receipts in a safe place that can't burn up or stolen with the ammo.

[spegull03]

Read your policy, I've paid for ammo and reloading components as a claims adjuster (not State Farm though). If you are in the middle of claim, they are required to show you in writing exactly why a claim or item is excluded as a previous poster mentioned.

Also read any policy sublimits. The sublimity title may say $5,000 for theft of "firearms" but if you read the policy definition of a "firearm", you may find that it also includes scopes, ammo, holsters, cases, reloading components, etc. Also note that the sublimit only applies to theft, all other covered causes of loss are covered up to the full limit unless otherwise excluded.