NCM

Mine wanted the names and serial numbers. I didn't have much of an issue with it since it is just to allow them to be reported stolen if it comes to that.

I wouldn't call some more controversial weapons like AR-15s or AK-47 clones by those names. Just Sabre Defense Rifle or Rock River Arms Carbine. Some home owners will not cover 'assault weapons'. They can't define what an assault weapon is when asked, but still will hang up on you.

I think I have 10k coverage right now, but thinking I need more. I wonder how the figure accessories. They are not *firearms* so Aimpoints, ACOGs, cronographs, timers etc should be covered by your normal HO coverage, right?

ccw9mm

I'd think it depends on your specific insurance policy. You can just ask your agent whether prior declaration of personal items is required for coverage in the event of a loss, or whether you can simply document them now and present if/when a claim occurs.

I have a blanket rider on my homeowners insurance that covers personal, household/garage items up to a given dollar amount. I've got each of the firearms photographed, documented and stored in the safe, along with a copy of the documentation in the bank safe deposit box (photo, description, bill of sale, etc). The insurance company doesn't care (or need) to know the details, unless/until a loss occurs. YMMV.

__________________
Your best weapon is your brain. Don't leave home without it.
Thoughts: Justifiable self defense.
Explain: How does disarming victims reduce the number of victims?
Deal with evil through strength. Affirm the good in Man through trust.
NRA. GOA. OFF.

txshooter

I visited with my insurance agent just this past week to check coverages and amounts. I specifically asked if my firearm collection needed to be scheduled. My agent called the underwriter to check and in my case, no. Unless I had some really expensive collector's grade firearms.

You really need to make sure about your policy. I was prepared to take out an additional policy for about $500 per year in premiums until I found out I was already covered under my existing policy.

__________________
Glock, Colt, S&W,Beretta,ParaOrdnance
Browning,Kahr,Keltec... to name a few.

TSRA, NRA, IDPA

spwz99

Unless REQUIRED for coverage, I would say this is a bad idea. My dad did the same thing once 22 years ago. Two days after listing every rare and collectible gun he owned, their apartment was broken into and every single gun was taken, but nothing else in the apartment was touched, cash, jewelry, nothing. Suspicious?

ccw9mm

Yup. Whether it was due to an "inside" job or not, involving some schmuck at the insurance company, we'll never know. But, the mere possibility is reason enough to not divulge what you need not divulge.

For example, mine is "blanket" coverage of personal items up to $XYZ amount. If my place gets cleaned out, I make a list of what's missing and the total dollar value to replace the items, then I get a check cut. I would think that many insurance policies can be set up in this way, if you ask or push.

__________________
Your best weapon is your brain. Don't leave home without it.
Thoughts: Justifiable self defense.
Explain: How does disarming victims reduce the number of victims?
Deal with evil through strength. Affirm the good in Man through trust.
NRA. GOA. OFF.

NCHornet

That brings up a funny memory, when I first moved to NC from Communist CA many, many years ago I went and signed up for insurance with State Farm who I had been with for years. I couldn't believe my eyes when my home owners policy covered only $2,000 in jewelry but $10,000 in firearms!!!

NCH

__________________
When Seconds Count, The Cops Are Just Minutes Away!!
Carry On!
NCHornet

automatic slim

You will find that there's a limit on the value of firearms. Usually something rediculous like $500.

__________________
"First gallant South Carolina nobly made the stand."
Edge of Darkness

LenS

Separate insurance thru NRA/Lockton, Collectibles, etc. is usually much cheaper than a rider on your homeowners.

For those that live in gun-unfriendly areas, I've also heard (rumor at this point) of companies refusing/canceling homeowners if they find out that you own guns. Leads me to think "don't ask, don't tell" is a good policy.

ccw9mm

My homeowners insurance has "blanket" coverage of personal items up to $XYZ amount. That's for everything from the toaster to the safe, from clothing to firearms, from tools in the garage to the spendy foreign cologne from the trip last year. Doesn't matter. And, at least in the case of my policy, there isn't a specific limitation on types of personal items (ie, firearms, with a max/fixed value). I checked, asking specifically about certain items and the specific lingo in the policy, "small print" and all. I'm sure some other policies might not be that way.

__________________
Your best weapon is your brain. Don't leave home without it.
Thoughts: Justifiable self defense.
Explain: How does disarming victims reduce the number of victims?
Deal with evil through strength. Affirm the good in Man through trust.
NRA. GOA. OFF.