What are the current options for firearm theft insurance?

[PogoJack]

I used to have Lockton insurance that was offered in addition to my NRA membership. I don't think that's available anymore.

Edit: Collectibles Insurance is good to go. My doubt was based on my ignorance as to how insurance works. They are a "surplus lines insurance" that has been around for 50 years. The declination form that I mentioned is a legal requirement in my state at least, for them to contact insurers within my state to see if they will cover the risk (in this case, firearms). If they can get three "declines" then they are permitted to insure my guns, so for those of you following, Collectibles Insurance (collectinsure.com) is viable for insuring firearms and you need to have an inventory list with serials and value as well as photos on file to make a claim. If you have an alarm and/or a 300+ pound safe, that will reduce your cost as well.

Surplus line insurances do not have to be licensed in your state so they can avoid any nonsense that California throws at insurance companies licensed in the state. The con is that if they go bankrupt before your loss or claim, you won't get your money.
More about that here: https://www.slai.org/faq/insured_06.html

What do you guys do? Get a separate rider on your insurance policy? I am trying to compartmentalize in case the insurance companies go anti.

What are the best actual insurance options today? Any companies you can recommend based on a claim?

[spddrcr]

I have a insurance through my wife's work (she is a teacher) and was worried about insurance covering my guns. Being that we are renting a house we make sure to carry a large insurance policy. for the guns all they wanted was a value and they stuck it in with the regular policy. I made sure they were covered and our agent even let us know they were covered during our trip last year to the east coast in case they got lost or stolen in the airport.

[Spaffo]

Eastern Insurance Group has reasonable coverage. 40k blanket policy is $150.00. No serials or lists needed unless gun is worth more than 10k. Covers 5k of ammo and also accessories, reloading equip, etc Www.historicfirearms
com

[Spaffo]

easterninsurance.com goes straight to them also

[NorCalFocus]

[Mytmoss]

I have mine covered through my homeowners insurance. However whatever insurance you use, make sure you ITEMIZE each firearm for California replacement costs. Otherwise at best you get Blue Book values for reimbursement which is usually too low.

[deckhandmike]

Tagged, I’ve been needing this.

[PogoJack]

OK I updated the OP, Collectibles seems to be okay, I just misunderstood the insurance-ese of my policy.

[vino68]

Collectibles also covers ammo, optics and knives. The policy follows you for damage or theft at the range. They allow for appreciation of the collection over time, you schedule rate increases to match the appreciation. They cover fire damage which some others do not.
I did find that some home owner policies cap the amount they cover for firearms. Unless you purchase an additional rider.

[johnnyh75]

good to know

[L84CABO]

I've been happy with Collect Insure. They've been great to work with although I've never had to file a claim (knock on wood).

The NRA had pretty comparable rates but I'm not sure of their insurance status in CA. The company that was covering their "Carry Guard" insurance was having problems in CA. Not sure if this is the same company that covers their theft insurance...which you're supposed to get $2000 of just by being a member.

And I've heard good things about Easter but have never looked into them.

[SunsetIE]

I was only able to get a 10k rider through SF on my homeowners without giving them make/model/sn info, base policy is only 3k.

And sf will NOT cover more than $500 cash kept in a safe if stolen due to being able to prove it.

[Jimi Jah]

If you don't report the crime in a few days here you are the criminal.