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[toddytguns]

You can add an endorsement for the firearms on any homeowners or renters policy. You might have to have the firearms appraised. Or a receipt if they were recently purchased. Just call your insurance agent for more info. And it will probably be less money/premium then getting a separate policy.

[dls]

I have AAA home and auto, so I called to add additional coverage for my collection. I was told anything above the included amount of 2 or 3 thousand, I would need an appraisal, which I have not done. What a PITA that will be.
I'm an NRA member, so I guess I have a few bucks coverage there.

$3k won't cover my ammo. And a couple of firearms are about that each on there own.
I guess I need to get moving on an appraisal soon.

[tileguy]

just called and she told me that they have no sub limits on firearms and ammo they do however have 2500 sub limit on jewelry.
DLS are you in So Cal or Nor Cal

[therealnickb]

just called and she told me that they have no sub limits on firearms and ammo they do however have 2500 sub limit on jewelry.
DLS are you in So Cal or Nor Cal

Good to hear. It does sound like a Nor Cal thing. I'd still read it to see all the sub limits. It would be strange IMO to have only one for jewelry. Gold & Silver bugs may want to pay attention here. Those items are usually included in the sub limits.

Replacement cost is another issue worth looking at while reading. Things like bikes and golf clubs can acv without special endorsements.

[tileguy]

the reason i believe is they consider firearms as just normal personal property that does not need a ryder like my wifes weeding ring did.

[L84CABO]

the reason i believe is they consider firearms as just normal personal property that does not need a ryder like my wifes weeding ring did.

This is so weird and most annoying. My So Cal AAA renters insurance clearly has a limit on firearms ($2K). Why the difference between Nor Cal and So Cal? Guess they use a different underwriter or something??

[tileguy]

not sure and i dont know what they consider north or south . iam north of sac by an hour.

[mcat707]

Tagged for good info

[BigPimping]

Thank you for this info as I have been pondering it.

[roc_my_tims]

Tag

[sjg1966]

Tagged as well.

[desertjosh]

I always wondered about insurance and never looked into it...tagged

[audiophil2]

Do you know what actual insurance company they use? I couldn't find anything. Eastern looks like a broker.

It is a subsidiary of Eastern Bank.

I always wondered about insurance and never looked into it...tagged

I don't have any interest in Eastern other than helping my agent out. The process is painless. A quick call or email, some info about you, some info about what you want to insure (you can list individual items, make blanket coverage, or a combo of both), and provide payment.
His contact info:
John "Jack" Richardson
Vice President
Eastern Insurance Group
jrichardson@historicfirearms.com
800-545-9326

[Spyder]

AAA in nor cal will cover firearms at no extra cost, they are covered under personal property in your homeowners or rental insurance. over 200k in personal property and regular homeowner stuff for around 100 a month.
call shannon at 530-538-8914 she can help you out at AAA

Yea, my renters insurance is 130 or so/year. It covers all firearms, with no limits up to the 35K of all my stuff. The only limits that affect me are ten grand for my quad (which is worth about a tenth of that) and I think 1,500 for a non-boat trailer. Firearms are covered for the full 35K.

[Spyder]

You may want to call Shannon and ask her about sub limits for theft losses.

I'll bet it's around $2,000.

I have. There is no sub limit for firearms on my policy. If my house burns down, or get's put on a trailer and dragged away by thieves, my firearms are covered for the full amount.