Looking to get my guns insured

[javithewrench]

My gun collection has grown and I'm thinking of getting them insured. I'm looking for advice on what company to use, maybe some of you have your guns insured and can lead me in the right direction. My home and vehicles are insured with AAA but I'm not sure there best suited for insuring guns. Thanx in advance

[AreWeFree]

Check Safeco

[L84CABO]

This question gets asked a fair amount and I bet if you type "insurance" in the search function (titles only), you'll get something.

The NRA has a pretty decent offering and I believe you get a couple grand anyway with every membership.

I use CollectInsur. You can google them. They were cheaper than the NRA when I looked a couple years ago.

State Farm also offers a personal articles policy for firearms and such but I believe they...and most regular insurance companies...will want serial numbers and receipts. They're also not exactly cheap. The NRA and CollectInsur do not require this. Or rather, I seem to recall that the NRA only wanted this if your gun was over a certain amount...I think it was $2500.

[NiteQwill]

I use USAA. If you're eligible, they insure for full value and cost plus accessories.

Sent from my SCH-I545 using Tapatalk

[Squidward]

NRA has $2500 in ARMSCARE with every active membership. You can bump it up if you like.

And +1 on USAA

[trigger945]

Besides my NRA coverage that came with membership, I also use State Farm. IIRC, $1.39 per year per $100 in coverage. They require serial numbers but not receipts from my experience. You just declare the values.

Smart move to insure. HTH.

[pitbull30]

Ask your insurance if they have "Valuable Personal Property" options. You just add it to your policy for a few extra bucks a month.

[asm777]

Besides my NRA coverage that came with membership, I also use State Farm. IIRC, $1.39 per year per $100 in coverage. They require serial numbers but not receipts from my experience. You just declare the values.

Smart move to insure. HTH.

This question gets asked a fair amount and I bet if you type "insurance" in the search function (titles only), you'll get something.

The NRA has a pretty decent offering and I believe you get a couple grand anyway with every membership.

I use CollectInsur. You can google them. They were cheaper than the NRA when I looked a couple years ago.

State Farm also offers a personal articles policy for firearms and such but I believe they...and most regular insurance companies...will want serial numbers and receipts. They're also not exactly cheap. The NRA and CollectInsur do not require this. Or rather, I seem to recall that the NRA only wanted this if your gun was over a certain amount...I think it was $2500.

Thanks for heads up on CollectInsure! Priced out a quote and it came to about $0.60-$0.66 per year per $100 which is much better than what I've heard from State Farm, Farmers, etc.

[asm777]

FYI, as I was looking more into CollectInsure, I stumbled upon EasternInsurance which is lower at $0.35 per $100.00

We dare to Compare!

Sportsmen and Collectors there is an affordable alternative to your Firearms Insurance.
Example Coverage Limit Premium

Arms Care- (Sportsmen Use) $35,000 covered for $619/year

Collectible (collectinsure.com) $35,000 covered for $221/year

The Historic Firearms, Collectibles and Sporting Arms Insurance Program $35,000 covered for only $125.00/year !
(Incl. Sportsmen and Collector Use)

They also offer a 5% discount for NRA members and members of certain other associations.

Hmm, will be looking into this a little bit more. Thanks OP for reminding me to get on this... =)

[javithewrench]

Thanx for all the useful info I'm going to request some quotes

[2meterB]

Do any cover failures? Like a garand going boom or a squib?

[javithewrench]

dont think so just loss,theft, or fire

[L84CABO]

Thanks for heads up on CollectInsure! Priced out a quote and it came to about $0.60-$0.66 per year per $100 which is much better than what I've heard from State Farm, Farmers, etc.

Yup. Great pricing and no BS to deal with (serial numbers, receipts, etc.). I hope I never need to find out how good/bad their claims process is.