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| General Firearm Discussion The place for general firearms and shooting discussions that may not fit well in the forums focusing on concealed carry. |
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October 23rd, 2009, 04:56 PM
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#1 |
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New Member
 Join Date: Oct 2009
Location: DFW
Posts: 4
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Home Insurance Quote and Firearm disclosure?
When applying for home insurance, should you disclose the amount of firearms you have, monetarily-speaking? It's a question on my quote....
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October 23rd, 2009, 05:00 PM
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#2 |
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Senior Moderator
 
Join Date: Jun 2006
Location: Central Iowa
Posts: 11,639
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Do you want the guns insured?
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October 23rd, 2009, 05:01 PM
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#3 |
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Member
 
Join Date: Oct 2009
Location: Columbus, OH
Posts: 59
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I imagine if you dont disclose them you would have no claim if they were stolen or damaged. I would hope they wouldnt charge a higher premium due to guns in the house but I dont know how all that works.
__________________
WHO DEY?!  "To my mind it is wholly irresponsible to go into the world incapable of preventing violence, injury, crime, and death. How feeble is the mindset to accept defenselessness. How unnatural. How cheap. How cowardly. How pathetic." Ted Nugent |
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October 23rd, 2009, 05:02 PM
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#4 |
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New Member
Join Date: Oct 2009
Location: DFW
Posts: 4
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Of course, but they are in a safe and I don't really care that they know how many firearms I have.
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October 23rd, 2009, 05:12 PM
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#5 | |
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Member
Join Date: Jan 2008
Location: Near Area 57
Posts: 185
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Quote:
The question is for their benefit not necessary yours. It’s a question like: do you hang-glide? |
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October 23rd, 2009, 05:15 PM
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#6 | |
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Senior Moderator
Join Date: Jun 2006
Location: Central Iowa
Posts: 11,639
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Quote:
It depends on what you have. I had to get a separate policy for the guns all together when I was in PA/VA. Here in IA they are included but I had a higher premium due to the $$$ value of our collection. Some insurance companies are even "funny" about what kinds of guns you have, the company I was with in PA and VA wouldn't insure my Bushmaster, as it's an "assault weapon"  The company I'm with now doesn't care and insured them all. |
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October 23rd, 2009, 05:17 PM
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#7 |
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VIP Member
 
Join Date: Dec 2007
Location: Phoenix
Posts: 3,575
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My insurance comes with a $5,000 cap on firearms automatically. I purchased an inexpensive rider to raise the limit to $50K.
__________________
Treat me good, I'll treat you better. Treat me bad, I'll treat you worse. |
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October 23rd, 2009, 09:58 PM
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#8 |
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Senior Member
Join Date: Nov 2007
Location: Western, WA
Posts: 1,037
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Answer all questions honestly. Failing to do so can have some nasty consequences (from loosing coverage on things to insurance fraud). Read and understand your policy carefully.
Take photos and videos detailing the contents of your entire house. Scan/xerox receipts or appraisals for valuable items and your insurance policy as well. Store them with an out of state relative and on a encrypted flash drive in your bug out bag. In the event you need to file a claim it really helps to have documentation of what was lost. |
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October 24th, 2009, 01:06 AM
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#9 |
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Distinguished Member
Join Date: May 2008
Location: Kansas
Posts: 1,740
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It's a 'specialty' item and there are policy "limits". IF the values are above the limits on the policy, they will suggest an endorsement or expansion of coverage ..... for a fee.
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October 24th, 2009, 07:29 PM
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#10 |
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Member
 
Join Date: Feb 2006
Location: Rochester, NY
Posts: 471
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Read your fine print. They may not cover guns or limit the total amount covered to a low number.
Firearms insurance
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New York Firearms Forums - NYFirearms.com |
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