Reloading and TD home insurance

Im with Cooperators and I specifically asked them when getting my renters insurance about my reloading stuff, they said it doesn't affect the policy. I made it clear to them that it is flammable stuff, didn't matter. my whole policy was only $250/year.
 
Check, check and check again. If there's a fire and you have reloading components, even if they had nothing to do with the fire, if the insurance policy says No, then the company will decline your claim. Period.

And it's worth checking periodically with yoir agent to make sure your insurance company hasn't changed the fine print.
 
I went through this Canadian Direct. They reluctantly agreed to insure after numerous numerous phone calls and BS from people who didn't know the difference between bullets and loaded rounds.
 
glockgrouptherapy said:
Im with Cooperators and I specifically asked them when getting my renters insurance about my reloading stuff, they said it doesn't affect the policy. I made it clear to them that it is flammable stuff, didn't matter. my whole policy was only $250/year.
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Interesting. Here cooperators will cancel your policy immediately if you reload. Been there
Cheers
 
State Farm insured me knowing I reload and have guns but the premium was twice the value of what I had insured due to high risk. So if guns were 20 thousand and reloading gear was 2 thousand I paid the insurance as if it was 44000 to get full coverage. It was a renters policy and it cost $38 a month for all my stuff. Best part is my truck insurance dropped $35 due to multi line discount

I'm now with Howard mutual. They are not bright ppl to deal with in my local but they insure me
 
3macs1 said:
Interesting. Here cooperators will cancel your policy immediately if you reload. Been there
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I've heard similar stories from people in other provinces. It depends on who the brokers carrier is. I'm with Cooperators here and mentioned reloading, powder, primers, and black powder and my broker had to check with the carrier. It came back as a non-issue so long as it was within NRCan's storage limits and requirements. Other carriers will deny coverage or have special stipulations for reloading supplies. The broker (Cooperators) doesn't usually get much say in the matter; they're just the middle-man.
 
My broker just specified that everything be stored per the regs. I also read the policy about 6 times to be sure. I don't trust anything an insurance company or broker says.... Paperwork is all you can trust
 
Your couch is flammable stuff. There have been numerous posts about what rectal orifi Cooperators is regarding firearms. Reloading not so much.
Reloading itself is not covered by any insurance company. Most insurance companies don't care one way or the other. Reloading is seen as a completely safe thing to do.
Mind you, some of 'em will outright refuse your business. Cooperators has been known to be one of 'em. That might have been an individual office/agent though.
Read the policy.
 
This is very interesting; my wife and I are with a local mutual insurance company and the only thing they said about firearms is that they must be kept in a safe to be insured and that I would need an appraisal and separate "collection policy" the same as coins, stamps or cards if I wanted more that $2000 coverage on my guns. I've never heard of denial of coverage due to contents unless it was criminal/safety/building code related which reloading is not.
 
Huh good to know. Funny.... I can reload mas quantities of bullets and have massive amounts of gun powder on hand and get insured, however Canadian Direct won't insure me because of my trained Doberman.
 
WereWeasel said:
This is very interesting; my wife and I are with a local mutual insurance company and the only thing they said about firearms is that they must be kept in a safe to be insured and that I would need an appraisal and separate "collection policy" the same as coins, stamps or cards if I wanted more that $2000 coverage on my guns. I've never heard of denial of coverage due to contents unless it was criminal/safety/building code related which reloading is not.
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I asked mine if they were covered under the policy, or if they needed a separate rider and mine was under the policy. Firearms are not jewelery or coins as specifically mentioned. Just because they are of value is irrelevant. Do you need a separate rider for a really expensive pot and pan set? I suggest you read the policy to find out if firearms are specifically mentioned.
 
Armored Metal said:
Hey guys,

I tried the search function but nothing.

Anyone insured with Meloche Monnex TD insurance and do they cover reloading?

I'll call them before the week-end but curious until I get to it.
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My wife works for TD Insurance, and specifically asked if reloading was a concern, and they said no! She asked because of an incident that I had with the Cooperators, which I will address below...


glockgrouptherapy said:
Im with Cooperators and I specifically asked them when getting my renters insurance about my reloading stuff, they said it doesn't affect the policy. I made it clear to them that it is flammable stuff, didn't matter. my whole policy was only $250/year.
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The Cooperators specifically asked me if I was reloading, and wanted to know how many firearms I had in the house. When I told them "Politely" it was none of their business, they made it a point to tell me the phone call was being recorded... and asked again, to which I again politely told them it was none of their business.. they did not persist, but it left a very bad vibe with me, and I have since fired them, and am now insured with TD Insurance. ( Also saved $200 a year, with better coverage!!)
 
wbaad said:
I asked mine if they were covered under the policy, or if they needed a separate rider and mine was under the policy. Firearms are not jewelery or coins as specifically mentioned. Just because they are of value is irrelevant. Do you need a separate rider for a really expensive pot and pan set? I suggest you read the policy to find out if firearms are specifically mentioned.
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They fall under safe contents which is $2000 and thus why they must be kept in a safe but if I did want more coverage specific to the firearms I own that entails a written appraisal. And yes if I owned a really expensive pot and pan set I would have a separate rider rather than that coming out of my content insurance.
 
novex insurance threw the CSSA group policy and they expect guns and reloading. the rate was just as good as Bel Air who I had to dump because they wouldn't insure a 20 year old car...
 
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