delete

[herccheif]

Just want to chime in here since I'm going through this right now, and I'm dealing with two agency's.
Usaa- only covers 2000(1750 after deductible), but if you exceed 2k in losses they waived the deductible.
AAA- no sub-limit. 20k policy? 20k in losses covered minus deductible.

Didn't lose an firearms, but between just ammo and mags my girlfriend and I lost more than $2500. **** adds up quick.

[Spyder]

Not possible. AAA is not a broker they issue their own policies. The same company in the same state issuing the same policy is the same. There isn't a norcal policy and a different socal policy. There is a limit on all homeowners policies for firearms. I've yet to run into one that does not.

I'd suggest you read your policy and not take the word of the agent. I believe she is wrong. And if want to believe her I'd suggest you ask her again this time via email. If she gives you the same info, save it and file it in your policy. As an agent of AAA, the things she says is binding. Proving it though is difficult when time to file a claim unless it is written.

I'd hate to think one of you guy's home burns down and when you file a claim to recover your $30K collection and you only get $2K back. At that point it's a he said she said situation that you will not likely win. As there is no proof of what she told you, the only thing written is the policy.

You are wrong. There is most definitely a difference in policies. Mine is exactly what you say is impossible.

Firearms are not a sublimit. If my house burns down, or gets stolen, or any other loss, my firearms are fully insured through AAA. Some policies are not that way. Mine is.

[gunman05]

Has anyone ever needed to file a claim through any of these insurance policies for their guns? I'm curious as to how difficult it is to get them to pay out a claim. How does one get an appraisal on their collection?


Jerry

Tagged

As Jerry asked how does one go about getting an appraisal on collection? I also am currious?

Thanks