homeowners insurance

[Seafarer]

Maybe this issue has already been asked in this sub-forum but for all you home or garage reloaders out there, what do you do in terms of notifying your homeowners insurance provider regarding the fact that your home contains powder and primers and such? Do policies require special notification, would it nullify the coverage if it caused a fire, etc.?

I'm just starting to get into reloading and I was wondering.

Thanks.

[therealnickb]

No notice required and no coverage penalties unless you are running a business. (26 years in the insurance biz tells me this)

Read your policy and ask your agent to explain anything that is confusing.

[sdkevin]

I put extended coverage for "fire arms", Will atty told me I should send a list to the insurer... that ain't gonna happen. Protect you and your stuff as you would against fire and theft.

ID your stuff in your Personal Property Memorandum.

[oldgrumpy]

Don't ask Don't tell

[M27]

Not with my homeowners.

[dbbspider]

Fire damage is covered.

[highpower790]

dont say anything to anybody!

[offroadking]

yah really, i dont know where that 8lb jug of powder came from. 5k of primers, yah i dont know bout those either

[stilly]

I put extended coverage for "fire arms", Will atty told me I should send a list to the insurer... that ain't gonna happen. Protect you and your stuff as you would against fire and theft.

ID your stuff in your Personal Property Memorandum.

There is a reloading data program out there, it is meant to be a database for gun loads (Gun Tracker 2.4), but you can ALSO use it to store photos and information of your guns. Then just print out the list for theft or records/insurance...