Asked house insurence company if I could reload-they said no.

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safety first

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Does anyone in Winnipeg know of a company offering home insurance for reloaders with fuse panel wiring? Or is there another way to go about this such as a rider?


I have asked them if it was OK and they said it's not.

I bet there's alot of people out there thinking it's fine , but don't really know what is stipulated in their overly complicated contract.
 
My response to that would be to ask what is their reason for saying no and what exclusion in the policy are they referring to.

Is this the actual insurance company or the agent responding?
 
Who have you checked? Someone with Co-Operators has already posted that they won't cover you.

I'm with Aviva and will be checking with them shortly.
 
Why tell them you are reloading? It is none of thier business what you do in your own house. Just keep it to yourself and you wont have a problem. Unless you burn your house down while reloading and the fire marshal can prove it that is. Just my opinion but, never heard of anyone having a problem.
 
I changed to Intact from Wawanesa on advise from my broker. Saved about 10%.Had discounts for everything. Brought up the reloader question because there had been an ongoing thread here at the time. She phoned them, they asked how many do you plan to reload for for ? "six". No issue.
Clint
 
IronCanadian said:
Who have you checked? Someone with Co-Operators has already posted that they won't cover you.

I'm with Aviva and will be checking with them shortly.
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If you're going to ask them if you're allowed to reload, may as well ask if you can keep extra gas and propane in your garage while you're at it. <-----sarcasm :rolleyes:

The kind of question one should be asking, to avoid shining a light on reloading in the home, is what will the insurer NOT cover. Bring it onto their radar and they'll find a way to say, 'Too risky, sorry'.

JMO.
 
Fall Guy said:
If you're going to ask them if you're allowed to reload, may as well ask if you can keep extra gas and propane in your garage while you're at it. <-----sarcasm :rolleyes:

The kind of question one should be asking, to avoid shining a light on reloading in the home, is what will the insurer NOT cover. Bring it onto their radar and they'll find a way to say, 'Too risky, sorry'.

JMO.
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So in your mind it's better, in the event of an accident or other non-related fire, to find out I'm not covered by any insurance because they 'suspect' my reloading supplies might have been at fault?

If they decide to nix my coverage because I asked a question, chances are they would anyway.

And I would rather give my money to someone who wasn't against my sport.
 
I agree, IronCanadian. You don't want to find out later that they're not going to cover you after an accident. Even if it is unrelated to reloading they could find a way to use that as a technicality and not cover you.
 
I am with the Personal. I called and asked them about this when I moved into my most recent house. The agent talked to an underwriter and they said it was ok. I told that everything would be stored according to regulations of course. They asked if I planned on storing any black powder which I don't. Didn't have any issues.

They did recommend that I check my local by-laws however. I checked my municipal by-laws (they are all online) and there is absolutely nothing noted about reloading, powder, primers, etc. I called the bylaw officer and she had no idea about reloading. She forwarded me to the local fire safety officer who also was stunned. She said she would get back to me. I left her my cell number and first name and she never called back.

I suspect one of your main issues is having a fuse panel as opposed to a breaker panel. Most insurance companies will pitch a bit of a fit if you have fuses or any knob and tube. At my last place I was required to upgrade the panel within 31 days of moving in or nobody would insure me.
 
kingdarb said:
I am with the Personal. I called and asked them about this when I moved into my most recent house. The agent talked to an underwriter and they said it was ok. I told that everything would be stored according to regulations of course. They asked if I planned on storing any black powder which I don't. Didn't have any issues.

They did recommend that I check my local by-laws however. I checked my municipal by-laws (they are all online) and there is absolutely nothing noted about reloading, powder, primers, etc. I called the bylaw officer and she had no idea about reloading. She forwarded me to the local fire safety officer who also was stunned. She said she would get back to me. I left her my cell number and first name and she never called back.

I suspect one of your main issues is having a fuse panel as opposed to a breaker panel. Most insurance companies will pitch a bit of a fit if you have fuses or any knob and tube. At my last place I was required to upgrade the panel within 31 days of moving in or nobody would insure me.
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Interesting how every area is different. I just had their full 3 hour inspection in October and the fuse panel was just fine as long as it had been upgraded to 100 or 200 amp from the original 60amp which it had.
Lots of talk about my guns just because I insure them seperately and all of my loading gear was out in full view but he never had an issue with it. Asked where the powder was and all I did was point. Rest was just the usual age of oil tank and furnace, age of roofing etc
 
If you want to ensure that there will not be problems with insurance and reloading make sure that your powder stockpile/storage complies with the NRCAN requirements.
 
Colin said:
Insurance companies will screw you if given the chance. My wife worked as a lawyer for them.
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Guy in my hockey pool suddenly died of an unknown condition. While he was in a coma in the hospital the insurance company tried to cancel their contract and refund him the premium. It was only when another buddy said they could go ahead and people would be hearing about it on the CBC that night did they honor the agreement.

####ing rats man
 
Silveragent said:
I agree, IronCanadian. You don't want to find out later that they're not going to cover you after an accident. Even if it is unrelated to reloading they could find a way to use that as a technicality and not cover you.
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They could say the same about your lawnmower gas, propane lantern, and any extra cans of paint you have stored in your garage/house. There is more than one way they can screw you.

Unless it is a licensed reloading business, I wouldn't bother saying anything. They don't need to know all your hobbies.
 
I had the agent call the insurer, and she relayed the info to me. I asked because I didn't want to have to policy cancelled if we had a break in and my reloading stuff is in there.

I am going to try M777's advice and change to Intact from Wawanesea.

I am hearing that unless the fire was caused by the reloading equip, it may be fine. That's good to hear

thanks fellas, I'll let you know how that change works out.

I ordered a 69. cal round ball mold, can't wait till it gets here
 
Colin said:
Insurance companies will screw you if given the chance. My wife worked as a lawyer for them.
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Ask your wife to explain the difference between a material and immaterial breach of the policy. I'd like to hear an opinion on this, in regards to the insurance company refusing payment because of the reloading supplies being present, yet not contributing to the loss.
 
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