rifleman 90 Posted September 24, 2016 If all the guns were not lost off the boat during a hurricane, does anybody have recommendations for gun insurance at home? The maximum rider for New Jersey Manufacturers is $5,000 which we all know is about 1/2 of a shotgun. Much prefer to have the whole gun insured. Thanks all, Quote Share this post Link to post Share on other sites
T Bill 649 Posted September 25, 2016 NRA one is about the best. https://mynrainsurance.com/insurance-products/firearms-armscare-plus Of course if you insure everything, I not talking just guns, considering the relative risk of a claim versus the total cost of premiums paid over a lifetime, the difference would be staggering. Quote Share this post Link to post Share on other sites
InFamous 311 Posted September 25, 2016 NRA gives you $2500 for free, I'm not sure what the higher ends ones cost. But thanks for reminding me to activate my wifes free $2500 insurance through her NRA membership lol 1 Quote Share this post Link to post Share on other sites
T Bill 649 Posted September 25, 2016 If you both are members, you both activate your free coverage. Prices and benefits are quite good. Quote Share this post Link to post Share on other sites
InFamous 311 Posted September 25, 2016 If you both are members, you both activate your free coverage. Prices and benefits are quite good. Yes we are and I did. I just checked out your link and looked at different coverage amounts. 10k was only $98 or so a year, you get just under 20k for $20 a month. It's not too bad at all. Quote Share this post Link to post Share on other sites
WhiskeyTangoFoxtrot 358 Posted September 25, 2016 Eastern Insurance. About $125 for $35,000 of Unscheduled collectibles coverage per annum. https://www.easterninsurance.com/insurance-quotes/personal-insurance/historic-firearms 1 Quote Share this post Link to post Share on other sites
InFamous 311 Posted September 25, 2016 I only see for Historic Firearms on there. Quote Share this post Link to post Share on other sites
WhiskeyTangoFoxtrot 358 Posted September 25, 2016 It's really "collectibles" whether it's a mint condition GI matching serial Garand or a high-end KAC SR-15. Either way, give Jack a call. He's a great resource whether you go with them or not. Quote Share this post Link to post Share on other sites
BMWR12 35 Posted September 25, 2016 Eastern Insurance. About $125 for $35,000 of Unscheduled collectibles coverage per annum. https://www.easterninsurance.com/insurance-quotes/personal-insurance/historic-firearms What is per annum? I am looking to get my collection insured fully both guns and military items and they sound like a good place to try. Quote Share this post Link to post Share on other sites
10X 3,301 Posted September 25, 2016 What is per annum? Annually. Per year. Quote Share this post Link to post Share on other sites
AverageJoe 95 Posted September 25, 2016 If all the guns were not lost off the boat during a hurricane, does anybody have recommendations for gun insurance at home? The maximum rider for New Jersey Manufacturers is $5,000 which we all know is about 1/2 of a shotgun. Much prefer to have the whole gun insured. Thanks all, This thread too rich for my blood...good luck lol Quote Share this post Link to post Share on other sites
PK90 3,570 Posted September 25, 2016 It cost me $80/mo to insure my collection. I paid it for a few years then decided to drop it, as I have a really good fireproof safe and an alarm system. Sent from an undisclosed location via Tapatalk. Quote Share this post Link to post Share on other sites
sroc112 24 Posted September 26, 2016 Question on the NRA insurance... I activated mine but there were no questions at all around listing the guns that you are actually putting on the policy. Did I miss something, or is it in fact that all you do is simply activate it and there are no details required about types of guns, number of guns, etc needed? Quote Share this post Link to post Share on other sites
raz-0 1,259 Posted September 26, 2016 Question on the NRA insurance... I activated mine but there were no questions at all around listing the guns that you are actually putting on the policy. Did I miss something, or is it in fact that all you do is simply activate it and there are no details required about types of guns, number of guns, etc needed? The insurance company writing it only requires reporting of items over a certain dollar value. IIRC that value is $2500. Which is over the value of the default NRA policy, so they don't care if you tell them anything until you buy additional insurance. Having gone down that road, the company they insure through is a bit on the overpriced side for additional insurance. Quote Share this post Link to post Share on other sites
sroc112 24 Posted September 26, 2016 So if my entire safe got broken into and stollen, I can claim up to $2,500 in losses with the basic plan without them ever having record or knowledge of what weapons were kept in there? Quote Share this post Link to post Share on other sites
Gus 33 Posted September 27, 2016 So if my entire safe got broken into and stollen, I can claim up to $2,500 in losses with the basic plan without them ever having record or knowledge of what weapons were kept in there? Yes and no. Yes that is the coverage: $2500 without having to fill out anything. However, if something happened, and for whatever reason they didn't 100% believe your claim was legit, they may ask you to prove you actually owned the firearm(s) you are asking them to pay off on. So the moral of the story is, keep some sort of record or receipt in a separate location. I keep a folder with the COE's of every gun I own. It would come in handy both for the police report, and the insurance claim. Quote Share this post Link to post Share on other sites
PK90 3,570 Posted September 27, 2016 Are you discussing Armscare? The limit, before serial numbers are required, is PER firearm. Sent from an undisclosed location via Tapatalk. Quote Share this post Link to post Share on other sites
sroc112 24 Posted September 27, 2016 So Coe or permit would suffice as receipt of ownership in that case? I don't believe I actually have purchase receipts for everything. Quote Share this post Link to post Share on other sites
Gus 33 Posted September 28, 2016 Anything that proves ownership would count. COE, sales receipt, permit paperwork, relative's Will giving you ownership. You just need to establish that you had this firearm in the first place. Quote Share this post Link to post Share on other sites
Handyman 5,682 Posted October 5, 2016 What is per annum? I think it's when the doctor gives you a pill, but instead of you eating it he sticks it up your behind. Quote Share this post Link to post Share on other sites