Insuring your firearms

[DoubleTapDiabetus]

Hello all,

After reading up on how insurance is the best backup to any security flaws with cabinets versus safes, how should I approach it? Insure only your safe Queen's/valuable ones? Only the ones you actually use? Everything? The growing list of nrs that are slowly becoming prohibs?

I have room on my home insurance to put them on without adding coverage, but do I only insure the ones I've paid taxes on or put everything on and stop being paranoid?

[thepolinator]

My advice to you is to get a rider for one or more of your guns. Years ago I was with a different company. I asked about firearms and they said no problem. Fast forward 2 years and when i asked why the coverage wasn't on my policy I was told I was not allowed firearms in my home and they tried to cancel on me. After them calling me names, claiming I never told them, claiming the rexorded phone call was jot recorded and them telling me they could sue me I finally filed a complaint with the ombusdman and won. Now I have a small rider for one gun so the new company can never say I didnt tell them. Oh and the company was Belair Direct

[Big-boss-man]

I've actual been thinking about this lately too. I was thinking a fire would eff me, i might have to jack up my coverage which will suck tho.

[DoubleTapDiabetus]

Called the cooperators today, unless they are antiques, firearms are protected under personal property, similar to if your laptop or jewellery, to a degree. She asked for me to put down what I paid, not the replacement costs are now, which is a big difference in sks alone. I sent in a list of what I paid taxes on for now, the agent said the picture of what I have is just in a file.